Immigrants from Cai Wensheng

In recent years, the elderly from China suddenly poured into the United States, almost occupying the apartments for the elderly in Southern California. They come from all corners of the country and come together for a common goal-to enjoy the welfare of the United States. Yang Jinheng, president of Eight-Party Mutual Assistance, expressed his own views on this phenomenon-going to the United States did not solve the fundamental problem of providing for the elderly. The first is the language barrier. In case of emergency, the elderly can't describe the crux of the problem correctly, which leads to the delay of treatment. Secondly, the migration of medical history data is very difficult. If you emigrate overseas simply for the sake of generous welfare, it will bring many unexpected disadvantages.

So, how is No Country for Old Men solved? Yang Jinheng analyzed. At present, the elderly in China face two dilemmas. First, there is great social pressure, children are busy at work and no one is around to take care of them. Second, the endowment insurance is insufficient, and the daily living expenses can be met, but the medical expenses when suffering from serious illness are still the burden of elderly users and even the whole family. In this regard, choosing mutual assistance platforms such as mutual assistance from all directions and easy mutual assistance can help the elderly share part of the economic pressure. Healthy users born between 28 days and 65 years old are eligible to join the mutual aid program. Users can easily join in just two steps. After filling in the name, ID number and mobile phone number, the background can effectively verify the real information of the user. After the observation period of 180 days, if a member is diagnosed with cancer, he can apply for a mutual aid fund of up to 300,000 yuan after being confirmed by a third-party company. At present, the mutual aid program for serious illness can cover nearly 30 common high-risk cancers such as lung cancer and breast cancer.

According to the statistical bulletin of national economic and social development in 20 14 released by the National Bureau of Statistics, among the population of China13.67 million in 20 14, there were 2120,000 elderly people aged 60 and above, accounting for 15.5% of the total population. The population aged 65 and above is 65.438+0.37 billion, accounting for 654.38+0. 1%. According to the above standards, China has entered the threshold of aging, and is in the stage of gradual deepening of aging. The dual form of "public welfare+mutual assistance" has increased the security possibility of elderly users in China. For people with medical insurance, extra participation in mutual assistance in all directions will not increase the burden of expenditure. On the contrary, because the two can be used repeatedly, when risks occur, an extra guarantee will provide an extra source of funds. Once a serious illness occurs, it will be difficult to meet the huge medical expenses, or even have no money to treat the disease, which will lead to tragedy. Every time a mutual aid event occurs, the deduction from each user's account shall not exceed 3 yuan, and the sick user can get a mutual aid of up to 300,000 yuan. The larger the number of participating members, the less the deduction each member will share. Take a mutual aid platform with more than10 million members as an example. In each mutual aid activity, each member needs to share less mutual aid money than 0.3 yuan, which really realizes the problem of "pocket money" to solve the big guarantee. Of course, Yang Jinheng, president of Eight-Party Mutual Assistance, also pointed out that "this kind of guarantee is not a rigid payment. The more members you join, the less you share, and some people will choose to quit. If there are too many members who quit, patients may not get the full subsidy. " . In view of this situation, in the spirit of public welfare, Party P Mutual also donated some mutual funds in the name of the company to help users share the economic burden.

At present, Eight-Party Mutual Assistance has obtained top venture capital funds such as Ceyuan Venture Capital, Mantu Capital, Venture Workshop, Mai Gang, Tim Draper, Cai Wensheng and Jiang Tao, and invested tens of millions of dollars. Compared with many similar platforms, it has a stronger financial background and risk protection, which makes users trust the platform more.