Principles of insurance

Insurance is a lot of people have agreed to co-pay. Or mitigate the damage that any one group may have been a fund set up to collect funds or called "Insurance Premium" All members of your fund. The Fund will make payments to members who suffer damage.

 Insurance is not meant to prevent a disaster, but the promise that if there is damage caused by the disaster. People who have been damaged will not be such a disaster. The other group members to assist victims of disasters that have the same return.