Communities Pool

Protection for those traditional insurance leaves behind

Lower barriers. Real protection.

Community-based protection for people often excluded by classic insurers — migrants, low-income families, veterans, elders, and those facing crisis. Built on trust, not exclusion.

from €15/month · based on your risk category

Join this pool

Who it's for

Built for those who need it most

From migrants to elders, from renters to single parents — anyone facing real, often-overlooked risk.

Migrants & displaced families

Undocumented persons, refugees, and people without access to traditional health and legal protection.

Migrants Displaced families Refugees

Veterans & elders

Older adults and veterans facing rising healthcare needs and limited access to affordable coverage.

Veterans Elders Rural populations

Women in high-risk zones

Survivors of gender-based violence and women facing housing or income instability in unsafe environments.

High-risk zones Renters Single-parent families

Low-income workers

Workers facing job loss, breadwinner death, or sudden financial crisis with no safety net to fall back on.

Low-income workers Job loss Breadwinners

What's covered

Protection when you need it most

Eight coverage areas — each with clear payout rules agreed by the community before you join.

Emergency Health & Medical Gap

Emergency medical gap coverage — when care is out of reach or unaffordable

Triggered by verified medical events

No insurer incentive to deny claims

Disaster & Housing Loss

Disaster / flood assistance

Temporary housing & relocation

Eviction / housing loss support

Income Interruption

Income interruption from job loss (short-term)

Death of breadwinner support

Community-funded risk sharing

Essential Goods & Legal Aid

Food & essential goods assistance

Legal, documentation & administrative support

Crisis-related legal disputes

Care for Dependents

Child & elder care when a caregiver is unavailable

Time-limited assistance

Community-recognized conditions

Gender-Based Violence Recovery

Recovery support — relocation, legal & emergency needs

Confidential, trust-based process

No insurer conflict of interest

Burial & Critical Events

Burial & one-time critical event assistance

Predefined payout caps

Pay-only-for-use model

Community-Verified Claims

Requires community sponsor & KYC

AI Fraud risk checked

Transparent payout rules

Transparency

What's not covered

Clear exclusions agreed upfront — so there are no surprises when you file a claim.

Voluntary unemployment

Legal disputes not crisis-related

Claims without community sponsor or KYC

Medical acts for which you are not authorized or competent

Self-caused or preventable damage

Fines, sanctions, or administrative measures

Conflicts or disputes that have nothing to do with your work or a mistake

Damage from activities that fall outside your role as Helping

Pricing

Pay based on your risk level

Your contribution is calculated from your risk type and target group.

All plans include: Emergency health coverage · Disaster & housing support · Income interruption · Community-verified claims

Medium risk

€15 /month

Basic utility service interruptions · Lack of access to education for children · Emergency health care access · Sudden legal or administrative crisis · Loss due to natural disaster · Veterans

Join this pool →

High risk

€20 /month

Elders (55+) · Gender-based violence recovery support · Eviction / loss of housing · Disability / long-term illness · Death of breadwinner · Job loss