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What is Community Risk Sharing ?

Imagine you agree with a friend, if something happen to him, you will share half the costs, if something bad happen to you, he will share half the cost. OK ? Now imagine the risk is shared not only between 2 persons but between one thousand or ten thousand persons, the risk to each person will become very small. And because you don't know each other so well, you each put a small amount of money on the side, so that the money is here when it is needed.

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