With the rise of crowdfunding economy, one person is in trouble, and the slogan of everyone to help is getting louder and louder. The launch of Mutual Treasure showed everyone Ma Yun's foresight, and you can join the insurance without paying the premium. Of course, mutual treasure is not insurance, but it is similar to insurance. Easy to raise and mutual treasure is a very popular platform for mutual assistance, which is deeply loved by people.

Easily raise funds and once again explode the circle of friends overnight. Through easy fund-raising, people can seek financial assistance when life is in crisis, or give love to people who are in urgent need of life-saving money. Mutual treasure is backed by the big tree of Ali, and it is also very easy to carry out business, which has been recognized by many Alipay users.

Easy to raise and mutual treasure have shortcomings, and applying for mutual funds will expose personal privacy. Easy wealth management and mutual treasure can only provide the insured with 654.38+million yuan of mutual protection, while the cost of serious illness treatment is 654.38+million yuan, not including the cost of medicine and rehabilitation. A serious illness starting at 654.38+ 10,000 yuan is not a real serious illness. Real serious diseases refer to diseases such as liver cancer, lung cancer and brain tumor. The treatment cost is more than 654.38+10,000 yuan, at least 200,000 yuan. Faced with a real serious illness, easy financial management and mutual treasure can't help too many insured people.

What can really provide protection for consumers is insurance. The amount of critical illness protection provided by insurance is generally 6,543,800 yuan, 300,000 yuan, 500,000 yuan, 6,543,800 yuan and 3 million yuan. Insurance does not need to expose privacy, do not need to bear the risk that the platform is pressured by policies, and do not need to count on mutual assistance. There are products that are legal and compliant, guarantee privacy and better help consumers resist risks.

In fact, consumers' desire for mutual help platforms such as easy financial management and mutual treasure is understandable. After all, they can participate in insurance for free, and they won't contribute much when people really need it. If you need help, you can get a mutual fund. Why not?

Having said that, treating a serious illness is to cure a disease, not to go to the hospital to buy things. If the cost of treatment can't keep up, it's not much different from not treating a serious illness.