01. Alumni mutual insurance Alumni mutual insurance is inspired by the idea of â€œpurchasing insurance through crowd fundingâ€?, encouraging alumni to share the risk of diseases and to improve their health security.
Targeted problems Increasing risk of serious diseases
unmatched financial capacity
Target User: college students or new graduates Pattern ：
(In case of insurance bilk)
6 yuan as initial margin
If someone catch cancer
(prepare for mutual events )
Value financial support Homogeneous group can easily causes sympathy The risk probability of the target group is lower than that of most charity organizations so that the financial burden is lighter The small amount of capitation fee won’t cause no economic stress
Competitor Analysis Commercial Insurance
High investment Opaque asset management
Hard to feel pity without empathy uncertain income of relief fund
Problem Space （ 10 Plus 10 ）
contribution by User Generated Media Interpersonal spread (such as social networking website)
Jointly hold or sponsor campus activities
Address credit crisis show platform qualification （ Including business license, notarial certificate ） fund custody service by the third party custodian
Enhance the awareness of risk
Increase profit point
show the statistics about serious disease rejuvenation
embed soft advertising in health tips
report relevant cases
recommend medical and insurance APPs
publicly display the cooperation agreement with the third party institutions
invite the recipients to express feelings
spread through the alumni group ， fellow-townsman party, etc.
link the health risk to the risk of unemployment that young people care about
promote by the school authority or school media Set news section to inform members of latest cases fully display medical cases full publicity and provide direct dialogue channel between the receiver and donators
recommend crowdfunding platforms and commercial insurance platforms
Are you agree with Solutions in Problem Space ？
Add Medical Care as an independent module as most people need basic medical advice in their daily life Implant it in WeChat instead of making an APP at the initial stage. For recipients who apply for assistance , we should prepare a simple application form for them. Members who share this platform with others can obtain the reward in terms of expense deduction. Cancel the communication channel the patient and other members after treatment avoiding exaggerating its social function.
Increase profit points
Address credit crisis
Enhance risk awareness
② Let’s subscribe to a WeChat official account——Alumni Mutual Insurance
You have joined our plan. Now you will donate to recipients!
There‘s a case announcement. Let me know some details.
A university student was diagnosed with leukemia…
What a pity! He really need help!
⑤ I just talked to him! I hope that he can recover soon!
Wow ！ Thanks to the efforts of this platform, He finally recovered!
From the recipient: I have recovered! I’m so lucky to get help from you all!
b. Work Flow
Usability Evaluation （ provisional ）
Don’t classify the news section and health tips separately Remove the ‘diagnosis’ in the third module completely. The basic knowledge of serious diseases and its preventive measures should be added. Dialogue channels with the recipients during supporting period should be arranged in the same module above.