What is the difference between mutual insurance and traditional commercial insurance?

On this issue, the chairman of Zonghui Mutual has expressed this view: in traditional commercial insurance, the insurer and the insured can be compared to the "negotiation table", the interests of the two sides are inconsistent, while the mutual insurance relationship between the two sides have the same interests, which can be compared to a "round table", the policyholder is a "shareholder" of the organization after taking out a policy. A round table of exchange", the policyholder is a "shareholder" of the organization after taking out the insurance, if a claim occurs, the insurance liability is paid, if no claim occurs, the benefits can be enjoyed *** enjoy, and has the characteristics of "mutual aid *** relief, risk *** share", and has the characteristics of "mutual aid, risk *** share". The concept of "mutual ***sharing" is a public welfare concept, which helps to effectively reduce the phenomenon of insurance adverse selection and moral hazard, and better protect the rights and interests of members.