| And when her children get malaria, the insurance pays their bills. 而且在她的孩子得了 疟疾后，该组织替他们支付这个费用。 "This program is very important," she says, "because it saves us from the worry of where to get the money to pay the doctor." “该组织帮了我们大忙“ Oulimatta Tigerre 说，“因为它不必担心该怎么去支付看病的费用”。 Oulimatta Tigerre has used some of the money she saved from not having to pay hospital bills to expand her business. Oulimatta Tigerre 用本该用来治病的钱来拓展她的生意。 But to have such satisfied members, experts say, a health insurance cooperative needs a large group of people. 专家说，但为了有更多这样满意的人，健康保险合作社需要一大群人的参与。 This is known as pooling risk. 这就是所说的集中风险。 If the group is small, each member has to pay more, and that would exclude the poorest. 如果该组织太小，每个成员要支付的就多，这样就不会顾及到许多很穷的人们。 |
