So you don’t need to pay when you join, but money will be deducted from the user’s Mobao payment account every month. If the deduction is not successful for more than 5 days, it will automatically exit Diandian Mutual Aid and affect Mungdou’s credit record.”

Diandian Mutual Aid is not a public welfare, and it will certainly not be free like Diandianchi. It will charge 10% of the management funds as a management fee for the operation of the project. Zhang Yida still thinks this is very reasonable.

"Do we need insurance companies to issue products?" Chen Sheng asked and got the idea right.

"Yes, but we have an insurance brokerage license and can participate in the design of insurance. If we find an insurance company to cooperate with, we can customize insurance plans and recommend products to customers."

Zhang Yida smiled and said, this step has been planned a long time ago, and the insurance brokerage license has been obtained long ago.

"With Diandian Huzhu, do we need to launch Diandianbao in the future? I feel like there will be overlapping functions."

After thinking for a while, Chen Sheng said that he felt that Diandian Mutual Aid was already very comprehensive.

"No, Diandian Huzhu can only provide very basic protection. The insurance amount is not high. If you want to get higher protection, users have to buy commercial insurance as a supplement.

For the innovative protections in recent years, such as mild illness, moderate illness, exemption, multiple compensation, etc., Diandian Mutual Aid does not have them.

In addition, as the number of mutual aid members increases, more and more patients will become ill, and the cost is not fixed. It may increase or decrease. You can’t say for sure.

Also, mutual insurance is a new thing in our country and is not mature. Neither insurance companies nor relevant departments have enough experience.

If the relevant national departments feel that the product is overly innovative and disrupts the market order in the future, it may also lead to the termination of the product.

There are many uncontrollable factors, and this is also our internal exploration and innovation.

What will happen in the future? No one can say for sure."
Chapter completed!