Zhonghui Mutual Insurance Co., Ltd. is the first mutual insurance company officially approved by China Insurance Regulatory Commission, and is subject to the supervision of China Insurance Regulatory Commission and relevant government departments. Article 10 Insurance organizations whose development is explicitly encouraged by the State.
According to the Trial Measures for the Supervision of Mutual Insurance Organizations, mutual insurance refers to an insurance activity in which a unit or individual with homogeneous risk protection needs becomes a member by entering into a contract and paying premiums, and the fund is liable for 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.
Compared with mutual insurance institutions, there is no clear definition of network mutual assistance. You can learn the authoritative views from the relevant documents issued by the China Insurance Regulatory Commission.
2016165438+13 October, when answering a reporter's question about the network mutual aid platform, the person in charge of the relevant departments of the CIRC mentioned that the non-governmental mutual aid has always existed, which is of positive significance for helping the disadvantaged groups in society and playing a charitable role. The China Insurance Regulatory Commission also pointed out that for mutual aid platforms positioned as charitable organizations, donors should be actively and clearly informed that "donation is a one-way gift, and it is impossible to expect a certain risk guarantee return".
20 16 16 On February 26th, the China Insurance Regulatory Commission pointed out in the Notice on Special Rectification of Illegal Insurance Business in the Form of Network Mutual Assistance Plan that there are some network mutual assistance plans such as accidents and serious diseases on the Internet, and a few of them also involve vehicle risks and family property risks. Most of the Internet platforms that launch these mutual assistance programs are registered as Internet companies or technology companies, which use the Internet as the main channel to collect fees from the public and recruit members in the name of mutual assistance programs. If the members agree on the occurrence of accidents, major diseases and other risk events, they shall share or raise mutual funds from the members.