You and your group define all aspects of the coverage you require, such as what will be protected, value of protection, criteria, and deadlines for events.
Your group can protect whatever you want, meaning you can have protection for products that do not exist in the traditional insurance market.
When a reimbursement request takes place, it is trustworthy people who evaluate the request and the evaluation must be fair, otherwise the group cannot expect a different treatment in the future.
Premiums or monthly payments aren't necessary, you only pay when there are claims; i.e. If your group has no claims, then you don't pay anything.
When you submit a claim to your group and provide evidence, members vote on whether you should be reimbursed and how much, then the group makes the payment.