KangAi Commune and Public Health Insurance Are Two Different Kinds of Protection

Let us compare KangAi Commune's Serious Illness Mutual Aid Commune or Anti-Cancer Mutual Aid Commune with public health insurance.

Public health insurance reimburses medical expenses: it reimburses a portion of whatever you actually spend on treatment.

KangAi's Serious Illness Mutual Aid Commune and Anti-Cancer Mutual Aid Commune pay out once a diagnosis is confirmed and conditions are met, regardless of how much you actually spent on treatment.

The comparison between the two is rather like that between medical insurance and critical-illness insurance in the insurance industry.

Medical insurance reimburses part of the cost of treatment, and the reimbursement in the end never exceeds what you actually spent on treatment.

Critical-illness insurance pays out once the diagnosis is confirmed, regardless of how much the actual treatment cost.

Medical insurance is relatively cheap: a few hundred yuan can buy hundreds of thousands or even a million in coverage.

Critical-illness insurance is very expensive: a policy with 100,000 yuan of coverage may cost at least a thousand yuan a year.

At KangAi Commune, the "Huo Qubing Medical Commune" is reimbursement-based.