京东互保下线，阿里相互保无奈更名，巨头进军保险动了谁的奶酪？
在上月中旬，支付宝联合信美相互险共同推出了新型保险产品“相互保”，凭借着“一人生病，大家出钱，一人出事，万人共济”这样新颖的参保模式，相互保也迅速成为了火爆一时的网红保险，不仅加入人次迅速突破1000万人，也引发了互联网巨头的争相效仿，京东更在随后不久就推出了与“相互保”规则类似的“京东互保”。
相互保的运营模式是汇聚起所有加入的会员形成一个互帮互助的大群体，在他人患病产生赔付时，其他会员参与费用分摊，单一案例最高分摊金额1毛钱，自身患病则可一次性领取保障金，40岁以下保障金额30万，40-50岁保障金额为10万。所覆盖度疾病类型则包括恶性肿瘤和99种大病。
不过有些让人始料未及的是，在这种全新的保险模式被广泛传播之时，效仿相互保而推出的京东互保上线仅仅一天就被迫下线，这也让人意识到，互联网巨头们想要瓜分保险业的大蛋糕现在看来似乎并不容易。
而就在近日，一直被人们寄予厚望的相互保也没能“幸免于难”，支付宝官方发布消息称，由于合作伙伴信美人寿近期遭到监管部门约谈并指其涉嫌违规，以后不能再以“相互保”的名义继续销售其团体重症疾病保险。这也意味着，上线仅仅一个多月的相互保保险，就此告别了历史舞台。
虽然“相互保”在实际意义上已经停摆，但是支付宝也推出了相互保的升级版：“相互宝”，升级版的相互宝宣布将100%保留用户原有权益，同时为了弥补升级所带来的不便。支付宝也承诺会给予用户一定福利作为补偿，包括平台负担之前的费用分摊，下调管理费用，不再硬性设置330万人数限制等。
比较值得用户关心的一点是，升级之后的相互宝在分摊费用上有封顶了，2019年的封顶费用是188元，多出来的部分则由蚂蚁金服承担。在用户层面则与之前无异，凡芝麻信用分达到650分、30天至59周岁、身体健康的蚂蚁会员都可以参加。
从“相互保”更名为“相互宝”，一字之差也宣布了阿里巴巴在探索保险道路上的又一次失利，之前蚂蚁金服副总裁、蚂蚁保险总裁尹铭对相互保的预期是，希望在很短的时间内参与人数可以上亿。而由于相互宝今后不能再挂保险牌子，事实上已经成为蚂蚁金服独立运营的网络互助计划，产品性质与水滴互助、轻松筹等网络互助无异。
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