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2018支付宝相互保每月扣多少钱?满足四个条件可免费投保

发布时间:2018-11-01 11:51
近日,支付宝上线了一款互联网医疗保险产品相互保,在网上引来不少关注。支付宝相互保最大的优势,就是免费参保了,而保额则高达30万。但也有人表示,其实支付宝相互保并非是免费的,那么支付宝相互保每月扣多少钱?下文就来带大家了解一下。
 
Recently, Alipay has launched an Internet health insurance product, which has attracted a lot of attention on the Internet. The biggest advantage of mutual payment is mutual insurance, and the insured amount is as high as 300 thousand. But some people also said that in fact, mutual payment of Bao Xiang is not free. How much does the Alipay guarantee each other?
 
 
 
 
 
新上线的支付宝相互保每月扣多少钱
 
How much is the new Alipay mutual guarantee per month?
 
 
 
根据支付宝公布的消息,支付宝相互保目前免费投保,但需满足四个条件:30天≤年龄≤59周岁;芝麻分650分及以上;蚂蚁会员的身份;以及满足健康告知条件。
 
According to the information released by Alipay, Alipay mutual insurance is currently free of charge, but it must meet four conditions: 30 days less than or less than 59 years old; sesame seed is 650 and above; the identity of ant members; and meet the requirements of health inform.
 
 
 
加入后自动获得10万或30万元的保障,保100种重疾;如果有人生病且在保险范围内,所有人一起分摊费用。要是不想继续分摊了,随时可以退出。那么支付宝相互保每月扣多少钱?
 
After joining, the company automatically gets 100,000 or 300,000 yuan protection to protect 100 serious diseases; if someone is sick and within the scope of insurance, everyone will share the cost together. If you don't want to continue sharing, you can quit at any time. How much is the monthly premium for Alipay mutual protection?
 
 
 
支付宝相互保怎么样?
 
How about paying mutual insurance?
 
 
 
假如有500万人加入相互保,某个公示期有100个确诊案例。这100个人,每人理赔金额为30万人,那当期一共需要赔付3000万,那每个人需要支付的钱是:
 
If 5 million people join mutual insurance, there will be 100 confirmed cases in a public notice period. These 100 people, each person claims the amount of 300,000 people, then the current total need to pay 30 million, then each person needs to pay the money is:
 
 
 
[30万×100+(30万×100)×10%(协议中约定的管理费)]&pide;500万人=6.6
 
[30 million x 100+ (300 thousand x 100) x 10% (agreed management fee in the agreement)]&pide; 5 million =6.6
 
 
 
也就是说,当期每个参与互助保的人需要缴纳的保费为6.6元。
 
That is to say, the premium for each participant in the current period is 6.6 yuan.
 
 
 
每半个月公示一期,一个月2期。按照这个假设,若每期都一样,一年需要158.4块钱,也等于说,花158.4块钱买一份30万保额的一年期重疾险。
 
It is issued every 2 months, one month and one month. According to this assumption, if each issue is the same, it costs 158.4 yuan a year, which is equivalent to paying 158.4 yuan for a 300,000-dollar one-year serious illness insurance.
 
 
 
实际金额要根据实际情况而定,大致就在100-200块钱左右。
 
The actual amount depends on the actual situation, roughly 100-200 yuan or so.
 
 
 
而在如今商业保险市场上,30万保额的重疾险,一年期的费用在300元左右。而支付宝相互保采用了互联网销售方式,无论是在退保还是赔付方面,都是非常方便的,小编认为非常值得购买。
 
In today's commercial insurance market, the insured amount of 300 thousand serious illness insurance, the cost of one year is about 300 yuan. And Alipay mutual insurance uses the Internet sales method, whether in surrender or compensation, it is very convenient, Xiaobian think it is very worth buying.

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