Standard Mutual Support Platform

The platform provides standard insurance product which is a one-stop solution, including precise cover, data-based service, insurance survey and claim settlement service.

Joining in the Platform

Based on standardized mutual support, Guardian provides insurance services to users. And all users can take part in it. When the serious illness stipulated in the insurance contract occurs, Guardian will pay the insurance benefit to the applicant. The current standardized mutual insurance must rely on the trusted third party(TPAs) to conduct claim settlement, identification and consultation.

Customer Participation Plan

When mutual support members join in Guardian, they can also recharge on behalf of their family members. After locking HGS by the smart contract, the user is given the claim qualification after a certain period of observation.

Application and Identification of Mutual Support Event

When mutual support members join in Guardian, they can also recharge on behalf of their family members. After locking HGS by the smart contract, the user is given the claim qualification after a certain period of observation.

Insurance Obtainment

When the publicity period expires and no objections raised, Guardian will transfer the HGS share locked by the member account to the account of the rescued person. The rescued person can obtain the legal currency payment through the trade of Digital Currency Exchange. The maximum payment hinges on the specific mutual support plan the person participated.

Customized Platform

Customized insurance is a free insurance market initiated to meet the need of minority and long-tail insurance.

Participation Rules

Guardian is based on the users’ need on the platform, and every team in Guardian is initiated by a group of friends and acquaintances. If loss occurred to one of the members, other members of the team vote to determine the amount of the insurance benefit. The final amount is averaged and shared by the members of the team. The voting as well as the payment and issuance of the mutual support funds are all carried out on the blockchain, among which the payment and issuance of the mutual support funds is carried out on the platform.

Rights and Benefits

The rules of claim settlement and access requirements are all decided by the initiator. Following the principle of fairness and mutual support, the legality of the project is supervised by the platform, and members can enjoy the third-party services such as claim settlement, identification, and consultation provided by the platform, as well as data support services. After the project has passed the trial and entered the market, the platform vote according to the needs of the participating users to determine the main content of the project, and to meet the overall interests of the mutual insurance participants.

Sharing Platform

The creation of a new model based on the blockchain credit system will greatly reduce channel costs, providing customers with greater amount insured while lowering operating costs.

Data Privatization

The data chain assists the associative data storage and operation of diversified platforms, while at the same time, it maintains the complete privatization of data, so that P2P insurance platform could resort to smart contracts to solve the current problems in the transmission of private data or assets.

Members of Guardian

When Guardian members or other community members join in, the organization pays Guardian[如原文的Guardian改为HGS,则此处改为HGS.] to the users it manages, writes identity information to the blockchain, and obtains mutual insurance qualification. The mutual organization may choose to transfer the users’ claim protocol to Guardian, or the organization receives the payment, then brings it to users, achieving a win-win situation with the platform.

Access Requirements

According to the access requirements of the customized insurance, different insurance plans may set different access requirements and the engagement could be made with the smart contract, and Guardian is willing to provide the consultancy service.

Access of the Institutions

1

access to API protocol

2

payment of cash deposit

3

maintenance of the registration on customers’ behalf

4

regulation of premium and penalty mechanism

5

operation of independent protocol

Mutual Industry Solutions

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Contact Us

Business Consulting:[email protected]