“相互保”是骗局吗？保费会比普通保险贵吗？李永乐老师讲大数定律 - Vidude

38 Views· 15 August 2022

“相互保”是骗局吗？保费会比普通保险贵吗？李永乐老师讲大数定律

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最近支付宝上线了一种新型保险：相互保
相互保的特点是:
加入免费
一旦有参保人员生大病
则获得一定救助由其他参保人员平摊费用
短短几天时间，相互保吸引了近千万人加入

根据伯努利大数定律
在一个相当大的群体中
生病的人数比例几乎是固定的
只要参保人数足够多，相互保的保费不会大规模的波动
相比于传统保险，相互保保费相对较低，赔付率较高
而且具有去中心化的特点，更容易为大众接受
相互保的具体原理是什么？
保费是如何计算出来的？
点开视频看看吧！

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