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  • urces.22 Sixth, some states (AP, HP, and other states currently inplanning stages) designed their tertiary-focused health insurance (HI)schemes in part to address equity and access shortcomings of the sys-tem of discretionary sickness grants provided by chief ministers of thestates for high-cost health care.23 Finally, the potential moral hazardissues related to ambulatory care (which the country?
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