Adhikari, Anju, Nand Ram Gahatraj, and Dipendra Kumar Yadav. “Factors Associated With Non-Enrollment in National Health Insurance Scheme in Kaski District, Nepal”. Nepalese Journal of Insurance and Social Security 3, no. 3 (December 1, 2020): 77–90. Accessed April 18, 2024. https://www.nepjol.info/index.php/njiss/article/view/36464.