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关于“相互宝”的报告

本报告研究涉及企业/品牌/案例:e互助、相互宝。

在国家政策的支持下,中国网络互助行业不断发展,逐渐成为医疗保障的有益补充。2019年中国网络互助行业救助总人数规模超过3万人,行业救助总金额超50亿元。截至2019年年底,中国网络互助覆盖人数达1.5亿人,预计2020年中国网络互助覆盖率达17.8%,2022年网络互助覆盖人数达有望达到3.9亿,覆盖率将达27.8%。通过网络互助平台的对比,结果显示,相较于报销型和综合型平台,给付型和聚焦型平台在人均互助金、获助比例等方面更具优势,e互助综合能力领先各平台。目前没有发现网络互助行业的规模效应,平台会员分摊未来有望保持平稳发展。未来中国网络互助将进入繁荣发展期,有望成为“国民级”产品,专业化运营与风险管控将成平台重点发展方向,行业也将从同质化到募集效率、金额的差异化发展。

With the support of national policies, China's network mutual assistance industry has continued to develop and has gradually become a useful supplement to medical security. In 2019, the total number of people assisted by China's network mutual assistance industry exceeded 30,000, and the total amount of industry assistance exceeded 5 billion yuan. At the end of 2019, the number of people covered by China's network mutual assistance reached 150 million. It is estimated that the coverage rate of China's network mutual assistance will reach 17.8% in 2020, and the number of network mutual assistance coverage is expected to reach 390 million in 2022, with a coverage rate of 27.8%. Through the comparison of network mutual assistance platforms, the results show that, compared with reimbursement and integrated platforms, payment and focused platforms have more advantages in terms of per capita mutual assistance, the proportion of assistance and so on. Besides, the comprehensive ability of “E HUAZHU” leads all platforms. At present, the scale effect of the network mutual assistance industry has not been found, and the platform members are expected to maintain stable spending in the future. In the future, China's network mutual assistance will enter a period of prosperity and development, and it is expected to become a "national-level" product. Professional operation and risk management will become the key development direction of the platforms. The industry will also develop from homogeneity to differentiated development in raising efficiency and amount.

本报告研究涉及企业/品牌/案例:相互宝,蚂蚁金服,水滴互助,腾讯,康爱公社,e互助,众托帮,壁虎互助,夸克联盟,360,滴滴,苏宁易购,美团,京东,百度,支付宝

iiMedia Research(艾媒咨询)数据显示,近八成的网络互助参与者对网络互助计划表示满意,仅有1.7%的参与者表示比较不满意。网络互助的出现,为低收入家庭提供健康保障,缓解因患重病带来的经济压力,另一方面也能一定程度上满足精神需求,互联网巨头纷纷入局网络互助行业,用户规模不断扩大。
目前中国商业保险覆盖率较低,社会医保在赔付金额和覆盖疾病类型上又未能达到商业保险的规模,居民的普惠保障需求旺盛,网络互助产品凭借低门槛和公益性逐渐获得下沉市场的青睐。且随着政府监管的趋严、企业积极创新,网络互助行业迎来新的高速发展期。iiMedia Research(艾媒咨询)数据显示,95.2%的网络互助参与者月均支付金额低于10元,参与者满意程度高。网络互助产品一方面为需求人群提供低成本的医疗保障;另一方面,互助的形式也满足帮助他人的精神追求。网络互助的低门槛、低成本特点,使其能够对下沉城市和更多低收入人群实现覆盖,逐渐成为群众医疗保障重要一环。
At present, the coverage rate of commercial insurance is relatively low in China, and the scale of social medical insurance fails to reach the scale of commercial insurance in terms of compensation amount and types of diseases covered. Residents have a strong demand for mass medical security, and online mutual assistance products gradually win favor in the sinking market due to the low threshold and public welfare. Moreover, with the government's stricter regulation and enterprises' active innovation, the online mutual assistance industry has ushered in a new period of high-speed development. As the data of iiMedia Research showed, 95.2 percent of online mutual assistance participants paid less than 10 yuan per month on average, with high satisfaction. On the one hand, online mutual assistance products can provide low-cost medical security for people in need. On the other hand, the form of mutual assistance also satisfies the spiritual pursuit of helping others. With the characteristics of low threshold and low cost, network mutual assistance can cover sinking cities and more low-income groups, and gradually become an important part of mass medical security.
(以下为节选页,完整版共43页)

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