Why Does the Anti-Cancer Commune Also Have a Waiting Period for Accidental Death?

1. The Commune is different from an insurance company's products. In insurance companies, accident insurance often carries occupational restrictions; the Commune has none.

2. Insurance companies impose many conditions on accidents — high-risk behaviour, for instance, is excluded from coverage. The Commune has no such rules.

3. Insurance companies have sufficient resources to investigate and review accidents, and even if there are errors, the large premiums they collect in advance can cover the losses. The Commune does not have these conditions, and neither does any such mutual aid platform.

So, all things considered, to prevent the risk of adverse selection, the Commune has also set a waiting period for accidents in order to reduce operational risk as far as possible.