All Articles
All Articles
Build a Strong Legal Team, or Give Priority to Community Self-Governance?
→An Office Rent That Never Exceeded 7,000 Yuan: The Moral Yoke KangAi Commune Put on Itself for Fifteen Years
→Why the Adjudication Panel’s Authority Was Greatly Expanded: From the Platform Decides to Shared Governance
→After “De-Financialization”: Online Mutual Aid as the Simplest Form of Risk-Sharing Between People
→When Parents Join KangAi Commune and Their Children Believe They Are “Being Scammed”
→The Covenant Cannot Be Changed for One Person, But It Can Be Changed by Everyone: Opening Up the Panel’s Covenant-Amendment Process
→Fairness Is the Foundation of Everything, But Protecting Fairness Sometimes Requires Restraining Sympathy
→Aging Is Not Frightening — Losing Fairness Is: The Challenge Aging Poses to Critical-Illness Mutual Aid
→Losing Users in the Short Term, Protecting Fairness in the Long Term: Why KangAi Commune Has Always Kept a One-Year Observation Period
→Why Can’t Contributions Made to KangAi Commune Be Refunded?
→KangAi Commune Explores the Move from “Platform Governance” to “Joint Governance by Platform and Members”
→A Complaint I Could Not Bear to Reject, Yet Had to Reject
→No Automatic Payment Deduction: A Missing Key Feature That Actually Highlights KangAi Commune’s Sustainability
→Whether Judged by Public Benefit or by Business, Mutual Aid Is Not a Good Startup Direction — Only Idealism Consoles Us
→Moving from “Self-Verification” to “Third-Party Verification” Will Significantly Raise Operating Costs
→Running KangAi Commune, I Never Expected to Turn Away So Many People — and It Is Not a Comfortable Process
→Both Are “Nudging”: Is Pressing for Donations the Same as Pressing for Mutual-Aid Contributions?
→Does Online Mutual Aid Threaten Commercial Insurance’s Turf?
→Would You Accept a Third-Party AI We All Recognize Deciding Whether Mutual Aid Is Granted?
→If Public Health Insurance Keeps Improving and Insurance Keeps Getting Cheaper, Is Online Mutual Aid Still Needed?
→The “Death Spiral” Is Not the Fate of Online Mutual Aid — But Avoiding It Is Why KangAi Commune Is So Complex
→Does a Wave of Shutdowns Prove Online Mutual Aid Is Unsustainable? Absurd!
→The Absence of a State Backstop Is Precisely Where Online Mutual Aid’s “Unique Value” Lies
→Online Mutual Aid: A Supplementary Form of Protection That Spares the Government Trouble
→Starting from the Ministry of Finance's 70 Billion Yuan Capital Injection into Insurers: Insurance and Mutual Aid Are Two Different Things
→A Lancet Study on the Equity of China's Health Insurance Makes Us Rethink the Long-Term Value of Critical-Illness Mutual Aid
→The Wave of Mutual Aid Platform Shutdowns Five Years Ago Caused Widespread Misunderstanding of Mutual Aid—It Must Be Set Straight
→Diverse Mutual Support, Tiered Safety Nets: Reflections on the Path to Coordinated Development of Critical-Illness Online Mutual Aid and Huimin Insurance
→The Two Faces of Human Nature in Claiming Aid and Aiding Others—A Shocking Shift in How We Run the Platform
→One of the Greatest Difficulties of Online Mutual Aid: It Differs in Kind from Commercial Insurance, Yet Still Looks Too Much Like It
→Letting Go in Midlife and Old Age Is Also the Remedy for KangAi Commune's Transformation
→Abolishing the 'Visitation Team' Was Very Likely a Major Decision-Making Mistake of Mine!
→Should We Restore the 'Visitation Team'? We're Really Torn! Tell Us What You Think
→KangAi Commune Has Always Had a 'Never Refuse Mutual Aid' Design—So Why Does It Sometimes Fail?
→Seeing the Absurdity of Reality Clearly, Holding to Our Duty, and Moving Forward
→In Retrospect, Starting KangAi Commune Really Was a Case of Risking One's Neck
→Reflections on Running KangAi Commune: Why Did We Fall into the Self-Proving Trap?
→To a Certain Few: Being Able to Encounter a Rule-Abiding KangAi Commune Is Your Great Fortune!
→Imagine a 'Fever Mutual Aid Society': Making Exceptions Out of Personal Sentiment Is No Way for a Platform to Endure
→KangAi Commune Is So Open and Transparent—Yet Still Questioned? AI Suddenly Made Everything Clear to Me
→Running KangAi Commune Keeps Getting Harder—Proving Our Own Innocence Is the Most Exhausting Part
→My Old Illness Has Nothing to Do with the Cancer—So Why Was My Mutual Aid Application Still Rejected?
→What the Public Truly Craves May Not Be Absolute Perfection, but Relative Fairness
→KangAi Commune's Over-96% Fund Efficiency Still Struggles to Build a Reputation: The Dilemma and Some Thoughts on Breaking Through
→The Problems Exposed by Huimin Insurance Show That No Single Approach Can Solve Every Protection Problem—Diversification Is the Way Out
→If the Internet Had Existed Back Then, Primitive Mutual Aid Would Not Have All Evolved into Financial-Model Insurance Companies
→Cherish the Few Mutual Aid Platforms That Still Remain
→Canceling the Review Deposit Was a Deeply Harmful Move, and a Regrettable One
→Online Mutual Aid Is a New Business Form Born of Technology, Not a Temporary Product
→The Fourth Discussion on 'Running Huimin Insurance as Mutual Aid': The State of Online Mutual Aid Does Not Mean the Model Itself Has Fatal Flaws
→Revisiting the 'Mutualization' of Huimin Insurance: Immersive Mutual Aid as a Leap Forward in the Public's Protection Literacy
→Online Mutual Aid: A Vivid Classroom for Cultivating Public Insurance Awareness
→The First Institutionalized Mutual Aid System: 3,500 Years Old, Fully Documented, and Lasting Nearly 400 Years
→'Mutualizing' Huimin Insurance: Turning a One-Off Transaction into an Ongoing, Large-Scale Mutual Aid Movement
→Using the Mutual Aid Model to Improve Protection for Mobile Workers Is Highly Feasible in Practice
→Grounded in the Value of Social-Emotional Connection: The Unique Advantages of Running Huimin Insurance on a Mutual Aid Model
→I Object! Is Online Mutual Aid 'Too Inefficient' or 'Too Efficient'?
→Human History Is the History of the Journey from 'Cave Mutual Aid' to 'Online Mutual Aid'
→Online Mutual Aid: The Shift from Mutual Aid Among Acquaintances to Mutual Aid Among Strangers Reflects Social Progress
→The Story of a Whole Village Chipping In to Send Liu Qiangdong to University Makes 'Online Mutual Aid' Suddenly Clear
→From Caregiving to Mutual Aid: All Goodwill Has a Price, and Caregivers Deserve a High One
→Reading the Core Value of the Mutual Aid Model and the Legitimacy of Critical-Illness Mutual Aid Through the State's New Policy on Mutual Aid Elderly Care
→Online Mutual Aid Once Had the Chance to Become as Ubiquitous as Online Payments
→Online Mutual Aid Has Clear Advantages — So Why Has It Never Achieved Scale?
→KangAi Commune Has Eliminated Any Financial Motive to Deliberately Frustrate Members, Right Down to Its Underlying Mechanism
→Why Can't KangAi Commune Refund Members Their Past Contributions?
→Where Does Critical-Illness Online Mutual Aid Fit Within the Multi-Tiered Social Security System?
→Critical-Illness Online Mutual Aid Is a Supplementary Medical Protection Model Worth the State Promoting
→Why Is the Absence of a State Backstop Actually an Advantage for Online Mutual Aid?
→KangAi Commune Is Not a Commercial Insurance Operator
→To the Relevant Authorities: Online Mutual Aid Is Not Financial Insurance
→I Think We Will Hardly Shake off the Label of "Swindler"
→Why Would Xiang Hu Bao Have Collapsed Even Without External Pressure? Why Did Shutting It Down Save Alipay?
→If I Were in Charge, Xiang Hu Bao Would Have Had a 99 Percent Chance of Success
→Choosing the Right Mutual Aid Commune According to Your Own Circumstances Is the Prerequisite for Receiving Aid
→Will KangAi Commune Be Shut Down?
→KangAi Commune Cannot Profit from Denying Aid, and Will Not Deliberately Make Things Difficult for Members
→Two Rule Flaws and One Strategic Mistake at Xiang Hu Bao Caused a Death Spiral
→Long Membership and Large Contributions Do Not Guarantee Approval of a Mutual Aid Claim
→Elderly Anti-Cancer Mutual Aid: Why Xiang Hu Bao's Contributions Are Several Times KangAi Commune's
→The Fundamental Difference Between Insurers and Mutual Aid Platforms, Seen Through How They Make Money
→An Explanation of Two Issues Some Members Are Unhappy About at KangAi Commune
→The Basis for Mutual Aid's Long-Term Existence: A Different Kind of Experience
→The Foundation of KangAi Commune's 100 Years, and What It Means for Members, Lies in Protection Efficiency
→A Reminder to Members: Everything You Spend at KangAi Commune Could Be Lost Entirely
→Members Should Actively Look Into Joining Huimin Insurance — and Whether to Leave KangAi Commune Right Afterward
→Can the Various No-Threshold, No-Denial Huimin Insurance Plans Kill Critical-Illness Mutual Aid?
→Rethinking the "Disadvantages" of Zero Prepayment at Mutual Aid Platforms
→Mutual Aid Contributions Are Largely Decided by "Heaven"
→I Contributed for Years, Then Missed a Few Times and Was Removed — That Is Unfair
→Members: If Any of the Following Applies to You, Please Consider Leaving the Commune Right Away
→On Licensed Operation of Mutual Aid Platforms
→Some Companies Shut Down Their Mutual Aid Operations Mainly Out of Profit Considerations
→On the Problem of Being Denied Mutual Aid for Falling Short of the Critical-Illness Standard
→Why Must KangAi Commune Strictly Verify Health Requirements for Membership When Processing Mutual Aid?
→Why We Support Members in Defending Their Rights Through Legal Procedures
→Refunding Past Mutual Aid Contributions Would Expose the Platform to Enormous Unsustainability Risks
→What Is the Most Significant Difference Between Online Mutual Aid and Commercial Insurance?
→A Long Observation Period on a Mutual Aid Platform: Who Benefits and Who Loses?
→Before Urging Members to Quit, Please Arrange Their Protection First
→On the Feasibility of a Century Commune, Starting from the Biggest Difference Between Mutual Aid Platforms and Insurance Companies
→KangAi Commune Supports Members Who Want to Quit
→If Failed Mutual Aid Applications Could Refund Past Contributions, the Consequences Would Be Terrifying
→Why Does KangAi Commune Insist on Not Converting All Its Mutual Aid to a Reimbursement System?
→KangAi Commune Has No Motive to Make Things Difficult for Mutual Aid Applicants
→KangAi Commune's Refusal of Aid and an Insurance Company's Claim Denial Follow Two Completely Different Logics
→Does a Larger Membership in Mutual Aid Mean Lower Cost-Sharing? Not at All!
→Why Is Running a Mutual Aid Platform Bound to Get You Torn to Shreds?
→[Reimburse Up to 1 Million] vs. [Pay 100,000 on Diagnosis]: Which Type of Mutual Aid Has Higher Cost-Sharing?
→The Online Mutual Aid Model Has an Inherent Flaw
→At Forty, Why Does XiangHuBao Reduce Benefits to 100,000 Yuan While KangAi Commune Still Offers 300,000?
→KangAi Commune Is Confident and Capable of Weathering the Epidemic's Impact and Advancing Toward the Goal of a Century Commune
→With Public Health Insurance in Place, Why Still Join the [COVID-19 Temporary Mutual Aid Society]?
→I Want to Build a Forum for Oversight and Rights Protection in Critical-Illness Fundraising and Mutual Aid—What Do You Think?
→What Does It Mean That Alipay's Cost-Sharing Exceeds KangAi Commune's?
→Covering Every Major Illness, with Full-Year Contributions Under 7 Yuan: the Commune's Cost-Sharing Really Isn't High
→Why Having the Aid Recipient Bear the Review Fee Is the Best Policy for the Interests of All Members
→Why Contributions Already Made to a Society You Joined Without Meeting the Health Requirements Cannot Be Refunded
→On the Reasonableness of Mutual Aid Rules
→Why Does KangAi Commune Apply the World's Strictest Risk-Control Measures?
→How Should We View Insurers Investing in Critical-Illness Crowdfunding and Critical-Illness Mutual Aid?
→With 2.4 Billion Yuan Raised, Even Investment from Tencent and Alibaba—Why Do Those Projects Still Die?
→A No-Denial Insurer May Be Possible; No-Denial Mutual Aid Cannot Take a Single Step
→For the Century Commune, "Idealism" Needs Rethinking
→We Should Emphasize the Difference Between Critical-Illness Crowdfunding/Donation and Critical-Illness Mutual Aid
→On the Difficulty of Running Mutual Aid, from the Rule Changes at Zhongtuobang and Qingsongchou That Effectively Cut Benefits
→As We Gather for the Spring Festival Reunion Dinner, Gratitude to KangAi Commune's Three Sets of Providers
→KangAi Commune Merely Awakens an Awareness—It Doesn't Actually Help Members by a Single Cent
→After Lowering Minors' Obligations, Adults' Contributions Will Indeed Rise
→New Year's Vision for 2019: KangAi Commune Still Has No Grand Plans
→Understanding the Complexity of the World: You Can't Take Things for Granted When Running a Commune
→Those Hostile to Online Mutual Aid Still Haven't Grasped the Spirit of Mutual Aid
→Not Every Case Can Receive Aid—What Matters Most Is Treating Everyone Alike
→KangAi Commune's Goal of a Century Commune Will Not Waver
→Mutual Aid Is a Very Special Undertaking
→Strictly Enforcing the Mutual Aid Covenant Is Also Self-Protection for the Commune's Operators
→Talk That "the Commune Is a Scam" Is Pressure We Must Endure for a Long Time
→Why Are Mutual Aid Platforms' Reviews Even Stricter Than Insurance Companies'?
→Why Is KangAi Commune Launching KangAi Chou?
→The Decisive Factors in Mutual-Aid Cost-Sharing, Seen Through the Parents' Commune and the Anti-Cancer Commune
→Mutual Aid Is Only One Means; Protection Is the Ultimate Goal
→KangAi Commune Is Not Charitable Fundraising — a Mindset That Needs Correcting
→To the Enthusiastic Members and Branch Leaders Under Pressure
→There Is Only One Ultimate Purpose in Subdividing the Mutual-Aid Communes: to Ensure Fairness as Far as Possible
→An Analysis of the Pros and Cons of a One-Year Waiting Period
→What Exactly Do You Get from the Commune? A Purely Economic View
→Solving the Protection Problem: Leverage When Young, Savings When Old
→Why Do I Exit a Commune Once I Reach a Certain Age? Was the Money I Donated Before Wasted?
→What Are the "Principle of Utmost Good Faith" and the "Duty of Honest Disclosure"?
→Those Who Do Not Take Mutual Aid Seriously Can Never Benefit from It
→The Slow Growth of KangAi Commune's Membership Is Deliberate
→No Model Built on "Human Self-Awareness" Has Ever Succeeded
→There Is Another Important Reason for Strict Vetting
→If Meeting Obligations on Time Were the Same as Missing Them, No One Would Meet Them on Time
→Where Lies the Rationale for KangAi Commune's Long-Term Existence?
→Don't Try to Convince Those Who Don't Believe in Us — Serve Those Who Do with All Your Heart
→Frozen for Failing to Meet Obligations in Time: What Is the Real Reason for Enforcing This Discipline?
→KangAi Commune and Public Health Insurance Are Two Different Kinds of Protection
→KangAi Commune and Public Health Insurance Are Two Different Kinds of Protection
→[Commune Leader's Reply] Should KangAi Commune Seek State Recognition? How Can It Obtain It?
→[Commune Leader's Reply] Why Have Cost-Sharing Contributions Increased? Does It Mean the Commune Has Corrupt Elements or Embezzlement?
→Protecting Recipients' Privacy and Strengthening Transparent Disclosure: A Dilemma with No Easy Choice
→How Does KangAi Commune Avoid the Ponzi Scheme Trap?
→The Commune's System Must Ensure That Honest Members Are Not Harmed by the Few Who Are Dishonest
→On the Review Process: High Review Costs and Long Review Times
→Abandon Restlessness and Quietly Build a Good Commune
→Why Is KangAi Commune Stricter Than Insurance Companies in Some Respects?
→Why It Is Inevitable That KangAi Commune Is Considered a Scam (Comprehensive Version)
→I've Bought a Million-Yuan or Six-Million-Yuan Medical Insurance Policy—Do I Still Need to Join KangAi Commune?
→An Explanation Regarding the Situation Where Aid Is Denied for Not Meeting the Critical-Illness Definition
→What Ultimately Determines the Contribution Amount of Members on a Mutual Aid Platform?
→Every Member Has Two Roles in the Commune—When You Think a Policy Is Unfair...
→About Deduction Errors: If Too Much Is Deducted, Will the Commune Pocket the Money?
→Why Are Contributions Rising Even as Members Increase? (Must-Read)
→Several Key Issues for KangAi Commune in Achieving the 'Century Commune' Goal
→On the Reliability of Third-Party Investigation Companies
→The Review Deposit Is Something Many Members Don't Understand About the Commune—Let Me Explain Again
→Why the Former Critical-Illness Mutual Aid Group Was Split into 30 Critical-Illness Mutual Aid Groups + the Anti-Cancer Commune
→Improving Policies and Patching Rules Is Not Fickleness
→Is KangAi Commune a Cold Fundraising Machine or a Community with Warmth?
→If I Quit the Commune When Contributions Become Too Heavy, Have I Lost Out?
→An Explanation of the Waiting Period and the Transition Period
→No Prepayment Is the Essence of the KangAi Commune Model and the Foundation of the Commune
→Concerns About the Commune's Expansion, and Why We Need to Restrain the Impulse to Expand
→How Will KangAi Commune Earn a Living and Become Sustainable?
→To Become a Century Commune, This Project Can Never Be Abandoned
→Clarification and Reminder Regarding Misinterpretations of the 10-Yuan and 3-Yuan Figures
→Is Being Diagnosed with Cancer Shortly After Joining Speculation or Fraud?
→The Century Commune: My Lifelong Commitment
→“Joining While Ill” Is One of the Greatest Enemies of the Commune's Sustainability
→How Does the Commune Ensure Every Aid Recipient Is Real?
→How Does Anti-Cancer Commune Ensure Every Aid Recipient Is Real?
→Revisiting How the Mutual Protection Model Differs from the Modern Insurance Industry and What It Means
→Understanding the Logic of Mutual Aid Regulation to Advance the Century Commune
→Where Is the Funding Guarantee for KangAi Commune to Become a Century Commune?
→Why Must We Restrain Our Compassion at KangAi Commune?
→The Origin of Anti-Cancer Commune's 300,000-Yuan Fundraising Target
→Why Our Review May Be Stricter Than an Insurance Company's
→Reiterated: Anti-Cancer Commune Prohibits Members from Soliciting Funds from Other Members in the Commune's Name for Any Reason
→We Will Close Anti-Cancer Commune Under Only Two Circumstances
→Original Purpose and Reality
→Ensuring Fairness Across Groups: Distinguish by Benefits or by Obligations
→I Know How Formidable Regulation Is, So I Spare No Effort on Legal Compliance
→If Friends or Family Doubt That Anti-Cancer Commune Is Real, Show Them This
→A Proposal to Designate December 12 as “Anti-Cancer Commune Mutual Aid Day”
→Where Does the Money to Run Anti-Cancer Commune Come From?
→Why Do We Firmly Protect Aid Recipients' Privacy?
→While Some Are Still Sceptical, We Have Already Won Nine Awards
→Why Are We the Only One That China Insurance News Has Featured in a Dedicated Section?
→How Much Does It Cost to Stay in the Commune Each Year?
→Why Does the Anti-Cancer Commune Stipulate That Aid Funds Are Not Limited to Medical Use?
→Why Does the Anti-Cancer Commune Also Have a Waiting Period for Accidental Death?
→On the Rights of Members' Babies: Selfishness and Short-Sightedness Only Cut Off Your Own Future
→Without Respect for Privacy, the Quality of Life for Us, the Commune and Society Cannot Improve
→On Government Regulation of the Anti-Cancer Commune
→Is the Anti-Cancer Commune a Scam and a Trap?
→A Reminder to Members Again: Do Not Use the Anti-Cancer Commune as a Substitute for Insurance
→The Commune's Main Mission Is to Cover the Most Important Stages of Your Life
→Do You Know Where the Biggest Risk to the Anti-Cancer Commune Model Lies?
→Raising the Benefit to 1 Million Yuan for Life Would Help Us Grow — So Why Don't We Do It?
→Why We Must Strictly Enforce the Obligation Deadline
→I Am Angry, but I Defend Your Right to Refuse an Interview
→The Anti-Cancer Commune's Comprehensive Plan to Strengthen Risk Control and Anti-Fraud (Important)
→What Members Must Know: The True Concept of Insurance Is Understood by Only a Few
→Why Is the Anti-Cancer Commune Not Defined as Insurance?
→Ten Key Issues for the Anti-Cancer Commune to Become a Century Commune
→Why the Anti-Cancer Commune's Aid Target Is 300,000 Yuan Rather Than 500,000 or 1 Million
→The Anti-Cancer Commune Is Not Just About Fighting Cancer — It Is a Way of Life
→Crowd-Mutual Aid: The Anti-Cancer Commune's Unique Internet Finance Model
→The Anti-Cancer Commune Does Not Conflict with Social Security, Commercial Insurance or Charity
→