8e45597f_ossary___MicroInsurance_Centre__Term
[Definition] Spreading of losses incurred by a few over a larger group, so that in the process, each individual group members losses are limited to the average loss (premium payments) rather than the potentially larger actual loss that might be sustained by an individual. Risk pooling effectively disperses losses incurred by a few over a larger group. [Term] 
Risk Pooling
Glossary - MicroInsurance Centre
Term