What Does It Mean That Alipay's Cost-Sharing Exceeds KangAi Commune's?

I joined XiangHuBao, where the critical-illness protection is 100,000 yuan. My cost-sharing for the last four periods was: 3.01 yuan, 3.06 yuan, 3.03 yuan, and 3.02 yuan.

In the KangAi Critical-Illness Mutual Aid Society, which offers roughly comparable protection, the cost-sharing for the last four periods was: 2.34 yuan, 2.81 yuan, 2.89 yuan, and 2.88 yuan.

Don't forget, KangAi Commune has an eight-year history—the rate at which its cost-sharing has risen is very slow indeed.

Members keep coming to scold us for cheating people out of money, thinking we have pocketed a fortune, but a simple comparison shows that this is just the cost-sharing amount inherent to the mutual aid model. The idea that more people means lower cost-sharing shows a lack of mathematical understanding. And it is certain that the cost-sharing amounts of both Alipay and KangAi Commune will keep rising. In many respects KangAi Commune is confident it has done a better job, with a higher degree of transparency. I hope time will prove that the Commune's original purpose has not changed in the slightest.