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By the late 19th century governments began to provoke national insurance packages against illness and old age. Germany built on a tradition of welfare programs in Prussia and Saxony that began as early as within the 1840s. In the 1880s Chancellor Otto von Bismarck launched old age pensions, accident insurance and medical care that fashioned the basis for Germany's welfare state.<br>The risk presented by any given person is assumed collectively by the community who all bear the value of rebuilding misplaced property and supporting individuals whose needs are abruptly higher after a lack of some sort. In supportive communities the place others can be trusted to follow group leaders, this tacit form of insurance can work. In this way the community can even out the intense variations in insurability that exist among its members. 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