Each of these systems has advantages that characterize all the other suggesting that there is a big difference between them. However, this difference has diminished to a large extent, has been affected by each other's advantages to some extent benefit from. To the extent that the difference between the two systems (commercial and cooperative) not be clear only when the emergence of insurance. When it is not the total contributions sufficient to cover the risks that achieved under the regime of cooperative insurance, is that over time, the cooperative insurance can configure reserves bring him much to cover all risks without incurring User undue financial burdens on the subscription amount obligated to fulfill it, in a way turns with premium from fixed to variable,
And checks for Cooperative Insurance when it becomes had enough reserves to cover all risks to this group Insurance, so there is no need to ask the user more than the value of the subscription .
However, it did not stop at cooperative insurance system to benefit from the commercial insurance system, but it came to the latter influenced by the benefits of the first and so keen to involve insurance companies insured them in one way or another in the company's profits.
التسميات
commercial insurance