Biswakarma, Gangaram, Basanta Dhakal, and Daya Sapkota. 2025. “From Perception to Adoption: Drivers of Commercial Health Insurance Purchase Intentions Among School Teachers in Nepal”. Interdisciplinary Journal of Innovation in Nepalese Academia 4 (2):28-57. https://www.nepjol.info/index.php/idjina/article/view/88779.