Shet, Nagaraj, Ghulam Jeelani Qadiri, Sunita Saldanha, Gayathri Kanalli S., and Prajna Sharma. “Pattern of Utilization of Health Insurance in Two Districts of South Karnataka”. International Journal Of Community Medicine And Public Health 6, no. 10 (September 26, 2019): 4310–4315. Accessed March 30, 2026. https://www.ijcmph.com/index.php/ijcmph/article/view/5188.