The golden body is not a panacea, and it can be contaminated. Even the golden body of the temple needs to be wiped from time to time, not to mention the golden body planted in people's hearts. After hearing about the medical problems of the Lighthouse Country a few times, coupled with the matter of DeepMind, Zhou Shi knew that his next focus should be on this.

"We help the Lighthouse Nation transform their medical security system?" Wei He looked at Zhou Shi in surprise and a little incredulous, where did he get the information to do such a big thing?

"We only do some minor repairs, and the medical insurance system in the lighthouse country is not the ...... for which we should be responsible and obliged," Zhou Shi

"???" Wei He was puzzled

"Since there are so many problems with the health care system in the lighthouse country, if we can help them in this area, it should relieve most of our pressure. Even if it's charity, it's worth it!"

"But if you want to form a certain influence, how much money is needed, and if it is long-term, how much money does it need to spend every year?" Wei He didn't think Zhou Shi had a reliable idea now.

"It doesn't cost much, and the annual cost is no problem for us!" Zhou Shi, he already had an idea at this time.

"What is Mr. Zhou's idea?" Wei He calmed down and wanted to hear what Zhou Shi had to say

"We still do insurance, but if we improve the form of insurance, we will make insurance that is not profitable. Zhou Shi took a sip of tea and said slowly

"We do mutual insurance, this is how I designed this product, with "everyone for me, I for everyone" as the core concept, only for critical illness insurance, 0 yuan to join, one person is sick, everyone is equally shared.

That is, we don't charge money at the beginning, and only after the policyholder gets sick and incurs expenses will we let all users share the premium equally. In fact, it is the insured users who help each other to resist risks together. This is somewhat similar to the original intention of the Chinese Red and White Wedding Event, that is, to help neighbors in the form of gifts when they are in trouble. Our mutual insurance is when the insured users help each other ......" Zhou Shi

"Help each other?" Wei He

"Of course, we can set a fixed amount of compensation after research, or it can not be called compensation, it can be called mutual aid or something! As long as the user has a major illness, he will get this fixed amount, such as 300,000 US dollars!" Zhou Shi

"Since it is a joint share, it is naturally an automatic deduction of money! We can cooperate with Time Pay and Yahoo Pay to distribute through channels such as Yahoo Pass!"

Wei He and others were of course shocked by the traditional and cash-based form of mutual insurance, "mutual insurance". In fact, if you think about it a little, it's not a big deal, that is, the "mutual aid platform" that has just emerged, such as "Water Drop Mutual Aid" and some other such platforms in Huaxia. There is not much new in Zhou Shi's mutual protection, but everyone has different perspectives and did not think of it for a while.

Since they thought that this form of insurance that Zhou Shi said was interesting, everyone started a discussion. The specific implementation details are difficult to explain all at once, so let's discuss some macro things first, such as the advantages and disadvantages of this product.

The advantages are obvious, cheap, no matter how it is calculated, as long as there is some mathematical common sense, you know that this kind of mutual aid plan is many times cheaper than the insurance of insurance companies, insurance companies need to ensure profitability, and the product design is extremely complex, their purpose is to protect the profitability of the enterprise. Even if the mutual aid plan wants to make a profit, the means of making a profit will not be complicated, management fees, handling fees or membership fees, in a sense, simple means cheap, and Penguin Zhou Shi wants to make a non-profit product.

In addition, the opportunity cost of the mutual aid model is small, and the user does not need to pay in advance, and only loses the amortized cost when exiting, so that you can try it out and experience the true meaning of risk and insurance. It can also be regarded as a public welfare offering. It can also allow people with poor economic conditions to enjoy basic security.

The disadvantages of the mutual aid model are also obvious, first of all, the guarantee is insufficient, each person can not enjoy too much mutual aid amount, and there is no guarantee of false declaration, over a certain age, too many risks will withdraw from the plan. The other is the risk of insurance fraud, which is almost a hard flaw! We can only hope for technological progress.

However, in any case, one-third of the population of the Lighthouse Nation does not have health insurance, and this critical illness mutual insurance plan is a boon for most ordinary Beacon Citizens.

"$300,000 may not be of much use in the United States. Someone said

Zhou Shi also knew that it would cost more than $5,000 to be hospitalized in the lighthouse country for one day, and there was once a foreign student who had a tenth-level cardiac procedure, was hospitalized for 5 days, and there were various medical staff in place to chat with psychologists, and he enjoyed meticulous service, which was at least ten times better than the service of any public hospital in China. But the bill received was 450,000 for hospitals and 1.16 million for doctors, for a total of $1.16 million (Beacon State doctors are not part of the hospital). Think about the medical expenses in Huaxia, some places seem to be only about 100 yuan a day of hospitalization, and it is not as good as the cost of staying in a hotel for one day.

"As I said, our goal is not to solve any problem, but to open a gap. "Zhou Shi, in the information age, if the government compulsorily popularizes the mutual aid model, there is no need for any commercial insurance for individuals. Even pension insurance can be solved through a mutual aid model. However, it is not known how much impact this will have on society, and if there is no follow-up premium income, will the insurance company be able to maintain the existing insurance policy? Will the people who used to pay for insurance suffer huge losses?

Ant's mutual insurance plan can be said to be a fatal blow to insurance companies, traditional insurance companies, insurance brokers' commission income exceeds 10% of the handling fee of each mutual aid fund of Mutual Treasure, coupled with huge personnel expenses, various operating costs of enterprises, and Ant Mutual Treasure serves tens of millions of users with only more than 60 employees, the efficiency can be seen, coupled with the non-profit nature of Mutual Treasure, if the limit of mutual aid is relaxed, it will be the world's most cost-effective critical illness insurance (in fact, the amount of release is also simple, anyone can join an upgraded version of the plan, the basic plan is a fixed amount.) The upgrade plan is an indefinite amount with an upper limit of more than 300,000 yuan, and the diseases that cannot be cured in the current medical technology background will be calculated separately, or the upper limit of compensation or the median value, etc., depending on how to calculate).

Most of the people who smear Mutual Treasure are insurance companies, and mutual insurance has changed from insurance to a mutual insurance plan, which is the reason for complaints from insurance companies. Without a huge conflict of interests, insurance companies would not be so sensitive. Of course, now Mutual Treasure is a flawed mutual aid program, and overall it is still cost-effective. Take a hundred plating to read the latest chapter of "The Rebirth of the Post-80s Legend Claw Book House" for free for the first time.