The proposal for EDIS combines the reinsurance and co-insurance approaches as sequential steps, beginning with the re-insurance approach, then moving to a system of co-insurance which would gradually increase the rate of mutualisation until a full insurance scheme ("full insurance") is achieved.
Predlog za evropski sistem jamstva za vloge povezuje pozavarovalni in sozavarovalni pristop kot zaporedna koraka, in sicer se na začetku predlaga pozavarovalni pristop, ki nato preide v sistem sozavarovanja, ta pa bi postopoma povečeval stopnjo vzajemnosti do vzpostavitve sistema polnega jamstva.