Why Does KangAi Commune Insist on Not Converting All Its Mutual Aid to a Reimbursement System?

Under the pressure of cost-sharing, many mutual aid platforms have changed their mutual aid rules and switched to a reimbursement system, providing mutual aid based on the actual cost of treating a critical illness. The downside is that the amount recipients actually receive drops greatly; the upside is that the platform's cost-sharing looks very low.

KangAi Commune also has societies that use a reimbursement system—for example, the Million Medical Mutual Aid Society is reimbursement-based. But most societies still provide a fixed sum, paying out a lump sum upon diagnosis, such as the Critical-Illness Mutual Aid Society and the Anti-Cancer Mutual Aid Society.

Why do we insist on not changing?

On the one hand, we believe rules should not be changed lightly, or else it is irresponsible to users. On the other hand, it is related to the original purpose of founding the Commune.

The lesson my relative's death from illness taught me was not that we should conquer critical illness and cure it, nor that we should over-treat, but that patients should have a good quality of life in their final stage and fulfill some of their life's last wishes—for example, wanting to travel the world and taste all kinds of food after being diagnosed with a terminal illness.

So KangAi Commune insists on not changing the rules wholesale, and does not plan to do so in the future.