亏损390亿的滴滴开始卖保险啦，难道是想再坑我们一次？
在支付宝、微宝和京东金融之后，滴滴终于也看上了网络保险这块肥肉，打算来吃一口了。滴滴推出了一款"点滴医保，100种重疾保障计划"，这是一款1年期的消费险，月缴19.99元最高保额24万。
为什么这些传统的流量巨头们，纷纷进驻保险行业呢？
1.保险行业未来的市场前景大，保险作为一种风险投资，近年来才逐渐被国人熟知。市场还有很大一部分需要去开拓，传统的保险巨头们，他们虽然保险期限长，但是保额相对要高得多。以中国平安为例，平安主打的重疾险"福运安康"，每天的保费就是28.32,所以这是网络保险的一个优势。
2.流量巨头们往往有着更加稳定的客源，和固定的平台。传统的保险巨头们很大一部分资金流出都在稳定客源和付给销售人员的工资上，而这些流量巨头就不需要，所以它们的保险可以用很低的保费推给客户。就比传统保险更容易接受，也可以为他们招揽更多的新客户加入，相互促进。
3.保险提供的稳定资金链可以帮助它们更好地处理自己本来的生意。据不完全统计，重大疾病保险的赔付率大概是在万分之1左右，按10万人投保计算，每月每人交19.99元，一年下来一共可收保费23988000元，按照万分之一即10人满赔付算，赔付额为2500000元，就可以赚到21488000元，这可以是一笔不小的资金流。就算这笔钱什么都不干，存进银行，按最低的年利率1.75%计算，也有376040元的利息可以拿，想必大部分人一年都是挣不到这笔钱的。更何况流量巨头们使用这笔钱去投资，收益远超于此。
4.每份保险的保额都是精算师核算过的，肯定不会亏钱。对流量巨头们说，既能拉客户，又不会亏损的生意，肯定要做呀。因此，各流量巨头纷纷开始加入重疾险行业，抢占先机。于我们普通消费者来说，每月19.99元，每天才0.66元，也就是一根阿尔卑斯棒棒糖的钱，用这点钱去买一个重大疾病险，大家也觉得划算。毕竟一旦身体出了问题这就是250000，对于普通上班族来说，这笔钱可能就是救命的。
每年都有看不起病又害怕拖累家人而自杀的事例，然而他们每个月真的连19.99都拿不出来吗？恐怕仅仅是因为保险意识的缺失。如今，流量巨头们的加入，也能在一定程度上普及保险意识，也是一件好事。
如今滴滴公司被爆出有390亿的亏损，偏偏在这个时候滴滴又进驻了保险行业，滴滴的目的到底何在？亏损390亿的滴滴真的打算用保费去填坑嘛？
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