With government backing, one might be able to get additional funding, or at least a "safety net" that may be willing to help the insurance organization should it experience funding problems in the future. Thirdly, it is important that the rural insurance scheme be developed to provide at the very least a basic set of services that can be paid for.  In other words, the insurance scheme will need to ensure from the start that catastrophic costs are not going to cause the entire scheme to fold.  As undesirable as it may be, that may mean that services will need to be excluded from coverage (for example, paying for outpatient services at clinics but not paying for hospital services).  Related to this is the consideration mentioned earlier about a waiting period before services can be utilized.