Amount to be apportioned = (accumulated insurance fund for accident cases+management fee)/number of members at the time of publicity; Management fee = accumulated deposit of accident cases * 10%. For a single accident case, each user shall share no more than 1 cent, and the rest shall be paid by the insurance company.
If no member is sick in the current period of mutual insurance, then mutual insurance can enjoy the protection of free money. As long as there is an accident, then mutual insurance members will share the security money. The larger the base, the more likely it is to have accident cases. As long as one member gets sick and gets the security fund, the other members of the security fund will share the total cost of the cumulative security fund for accidents.
Extended data:
If you want to join mutual insurance, you need to reach 650 points or more in your Alipay Sesame Score to join, and you don't need to pay any fees when you join. However, it is still necessary to independently choose to authorize sesame seed evaluation and sign an agreement on payment authorization services.
Mutual insurance refers to an insurance activity in which a unit or individual with homogeneous risk protection needs becomes a member by signing a contract and paying premiums, and the fund will be liable for the losses caused by accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.
The number of people participating in the People's Daily Online-Alipay serious illness mutual aid program "Mutual Treasure" exceeded 50 million.