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The Giveback The traditional insurance model is based on a conflict of interests. The less they compensate your claim, the more money they make. We really don't agree with that way of being, so we created a more transparent model. 30% of your premium is dedicated to Luko's management costs: customer service, claims management, innovation, etc. 70% is pooled with our other members’ premiums. If you ever file a claim, that pool will be used to compensate you. If there’s money left at the end of the year, it’s donated to the charity of your choice. It won’t increase our profits.
