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A landscape analysis of universal health coverage for mothers and children in South Asia
  1. Katy Scammell1,
  2. Douglas J Noble1,
  3. Kumanan Rasanathan2,
  4. Thomas O'Connell2,
  5. Aishath Shahula Ahmed3,
  6. Genevieve Begkoyian4,
  7. Tania Goldner5,
  8. Renuka Jayatissa6,
  9. Lianne Kuppens7,
  10. Hendrikus Raaijmakers8,
  11. Isabel Vashti Simbeye9,
  12. Sherin Varkey10,
  13. Mickey Chopra2
  1. 1UNICEF Regional Office for South Asia, Kathmandu, Nepal
  2. 2UNICEF Headquarters, New York, New York, USA
  3. 3UNICEF Maldives, Male, Maldives
  4. 4UNICEF India, New Delhi, India
  5. 5UNICEF Pakistan, Islamabad, Pakistan
  6. 6UNICEF Sri Lanka, Colombo, Sri Lanka
  7. 7UNICEF Bangladesh, Dhaka, Bangladesh
  8. 8UNICEF Nepal, Kathmandu, Nepal
  9. 9UNICEF Bhutan, Thimpu, Bhutan
  10. 10UNICEF Afghanistan, Kabul, Afghanistan
  1. Correspondence to Dr Douglas J Noble; djnoble{at}unicef.org

Abstract

The United Nations made universal health coverage (UHC) a key health goal in 2012 and it is one of the Sustainable Development Goals' targets. This analysis focuses on UHC for mothers and children in the 8 countries of South Asia. A high level overview of coverage of selected maternal, newborn and child health services, equity, quality of care and financial risk protection is presented. Common barriers countries face in achieving UHC are discussed and solutions explored. In countries of South Asia, except Bhutan and Maldives, between 42% and 67% of spending on health comes from out-of-pocket expenditure (OOPE) and government expenditure does not align with political aspirations. Even where reported coverage of services is good, quality of care is often low and the poorest fare worst. There are strong examples of ongoing successes in countries such as Bhutan, the Maldives and Sri Lanka. Related to this success are factors such as lower OOPE and higher spending on health. To make progress in achieving UHC, financial and non-financial barriers to accessing and receiving high-quality healthcare need to be reduced, the amount of investment in essential health services needs to be increased and allocation of resources must disproportionately benefit the poorest.

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Key questions

What is already known about this topic?

  • The United Nations made universal health coverage a key health goal in 2012 and it is one of the Sustainable Development Goals' targets.

  • To achieve UHC, countries need to ensure that their population has access to quality health services at a cost that people can afford.

What are the new findings?

  • In South Asia, political aspirations for Universal Health Coverage are not yet well reflected in spending and health outcomes for women and children.

  • Although there are political aspirations, and schemes and plans that attempt to address the poorest, there is not enough progress for the neediest populations.

  • There are a few examples of success that can in part be related to lower out-of-pocket expenditure and higher spending on health overall.

Recommendations for policy

  • Governments and development partners need to prioritise coverage of essential health interventions, quality of care, equity and financial risk protection.

  • Civil society and development partners can assist with formulating and costing plans and strategies, identifying critical service gaps, promoting evidence-based practice and improving quality of data collection.

  • While general principles for achieving UHC can be applied across different countries, context specific solutions are needed that take into account the complexity of different health systems.

Universal health coverage in South Asia

In 2005, Member States of the WHO adopted a World Health Assembly resolution stating that all citizens should have access to health services without suffering financial hardship.1 Subsequently, in 2012, the United Nations General Assembly adopted a resolution on global health and foreign policy that called for action towards universal health coverage (UHC).2 The World Bank and the WHO have selected UHC as a key objective to address both the right to health and extreme poverty.3 In 2015, achieving UHC became a target for the Sustainable Development Goals under goal three (target 3.8—‘Achieve universal health coverage, including financial risk protection, access to quality essential healthcare services and access to safe, effective, quality and affordable essential medicines and vaccines for all’).4 In order to achieve this, countries need to ensure their population has access to high-quality health services at a cost people can afford. The use of these services should not expose any user to financial hardship and should be equitable.5

Achieving the vision of UHC globally will have significant benefits for maternal, newborn and child health (MNCH). Yet, despite previous progress on millennium development goals four and five for MNCH across South Asia,6 millions of mothers and children still do not receive the health services they need at a cost they can afford.

Measuring progress on UHC is complex due to the political context in countries and the absence of reliable data. The World Bank and the WHO have suggested measures that can be used to monitor UHC. Health service coverage can be assessed based on essential promotion, prevention, treatment, rehabilitation and palliation services. Financial risk protection can be estimated by considering both impoverishing expenditure (degree to which health expenditure moves families below the poverty line) and catastrophic expenditure (health payments that are higher than a household's resources). And, equity can be judged by using measures disaggregated by socioeconomic and demographic strata.7

Countries need to select a suite of measures that are most relevant, based on their context. Metrics need to be collected in a standardised and routine way, to improve comparability across time as well as between countries.8

This landscape analysis focuses on UHC for mothers and children in the eight countries of South Asia, using the domains that the WHO and the World Bank advise monitoring (coverage with good quality essential services and financial protection),7 and triangulating with selected quantitative and qualitative MNCH data from South Asia. Common barriers countries face in achieving UHC are discussed, and ways forward for governments and partners suggested.

Equitable coverage of maternal, newborn and child health services

Increasing coverage of MNCH services is a core part of progress towards UHC. In South Asia as a whole, the proportion of pregnant women who receive four antenatal visits is low in most countries (figure 1). Less than a third of women receive four antenatal care visits in Afghanistan and Bangladesh.9 At the time of birth, reported coverage of skilled birth attendants is also low (figure 2). About half or more women in Afghanistan, Bangladesh, India and Pakistan give birth without the support of a skilled birth attendant.10

Figure 1

Percentage of women aged 15–49 years with a live birth who received antenatal care four or more times, 2007–2014.9

Figure 2

Percentage of births attended by skilled health staff, 2007–2014.10

Exclusive breastfeeding in under 6-month-olds is variable and indicates different levels of support available to women postbirth as well as social norms (table 1). Afghanistan has the highest coverage rates in the region (83%), with India (46%) and Pakistan (38%) having the lowest rates.11

Table 1

Coverage indicators*

Immunisation coverage measured by surviving infants who receive a third dose of diphtheria, tetanus and pertussis (DTP3)-containing vaccine (an overall marker of health system performance), reveals several poor-performing countries, despite recent improvements. In Afghanistan, India and Pakistan, 17–27% of infants still do not receive DTP3.12

The proportion of children under 5 years with diarrhoea who are treated with oral rehydration salts/an appropriate household solution (ORT) is low in some South Asian countries. In India, only 26% of children with diarrhoea received ORT, according to the latest available international data, although there may have been improvements in more recent years. Coverage remains poor in Pakistan, with 41.8% of children receiving ORT.13

Many children with suspected acute respiratory infections (ARI) do not receive appropriate treatment. Coverage is very low in Nepal (7%), with the highest coverage rate seen in Bangladesh (71.4%).13

Equity in reported coverage of services is also a major issue. With the exception of the Maldives, in all countries where data are available, there are marked differences in antenatal care coverage between different wealth quintiles (figure 3). In Nepal, 88% of women in the highest quintile received antenatal care at least four times, compared to 30% in the lowest quintile. In Pakistan, women in the highest quintile are six times more likely to receive at least four antenatal care visits than those in the lowest quintile.14

Figure 3

Percentage of women aged 15–49 years with a live birth who received antenatal care four or more times, by wealth quintile, 2005–2012.14

Skilled birth attendance follows a similar pattern: in Bangladesh, India, Nepal and Pakistan, 73.4%, 84.9%, 93.3% and 85.2% of the richest wealth quintile received skilled birth attendance, compared to 17.9%, 23.6%, 25.5% and 29.8% in the poorest wealth quintile, respectively.15

Availability of prevention services for children also demonstrates stark inequities. For example, with the exception of the Maldives, in countries where data are available, there are considerable differences between DTP3 vaccination coverage between different wealth quintiles (figure 4).

Figure 4

Percentage of surviving infants who received the third dose of DTP-containing vaccine, by urban wealth quintile 2005–2011.16

Across the region, there is lower reported coverage of services in rural areas. In Pakistan, wide provincial and urban/rural disparities exist in maternal, neonatal and child mortality rates.17 In India, there is a larger number of services in urban areas, despite the fact that over two-thirds of the population live in rural areas.18–20 In Bangladesh, there is an inequitable distribution of health professionals biased towards urban areas,21–23 leading to stark inequities such as 55% of women in urban areas having skilled birth attendance, compared to just 28% in rural areas.24 However, the urban poorest in Bangladesh can fare even worse than those living in rural areas: for example, as few as 15% of those living in slums have had skilled birth attendance.25

There are a number of barriers to achieving equitable coverage of essential MNCH services, including inequitable distribution of health services and personnel, cultural norms around health service usage and difficulties with access for non-citizens.26 The terrain and lack of infrastructure in some countries makes it challenging for governments to ensure that the whole population has access to health services. In Afghanistan, a lack of basic infrastructure such as roads and bridges, and security problems in some areas, mean that some communities do not have access to basic health services.27 ,28 The Basic Public Health System is in place in districts where 85% of the population lives, but only 57% of the population has access to a public health facility within 1 hour's walk.29 Slow uptake of innovative and pro-equity service delivery mechanisms, such as community health services, has prevented these geographic barriers from being more consistently and effectively addressed.

In Bhutan, physical accessibility to services is defined as the proportion of the population that is within 3 hours walking distance to a health service,30 with some unable to walk the distance or to afford transport. In the Maldives, the spread of the population across 187 different islands means that travel by boat or air to access health services is not only time consuming but expensive and often unreliable.31 This can, in particular, be a problem for those pregnant women who end up being referred to birthing facilities only when they are very close to the time of birth.

Quality of care

Despite availability of some services improving in recent years through a variety of schemes and plans, healthcare quality remains a problem in most countries. There has been too little investment in essential health services (including primary care) as well as inefficient spending. Wider system factors affect quality of care. Countries often lack sufficient numbers of appropriately trained staff, suffer from weak infrastructure and have inadequate supplies to provide universal coverage of essential services.

In Bangladesh, some people choose not to use public health facilities because of quality issues, including: a shortage of skilled health workers (particularly in rural areas), under-staffed and overcrowded facilities and a lack of equipment.32 In India, the government's health system is run through the states and is set up to offer free/low priced health services to all Indian citizens.33 However, these services often have a lack of medically trained staff, a shortage of medicine, high rates of absenteeism, limited opening hours, an unequal distribution of resources, limited national standards and poor accountability mechanisms.18 ,33–36

Even in countries that show stronger progress towards UHC, quality challenges remain. In Bhutan, inadequate human resources (including skilled birth attendants) is still a problem, as are insufficient equipment and commodities for emergency obstetric and newborn care.37 ,38

Poor governance of the health sector as a whole has been a criticism of many countries in the region and contributes to low quality healthcare. In Afghanistan, many service providers lack strong management skills to enable them to address quality issues and there is weak subnational governance.39 Although there is a comprehensive quality improvement national guideline, it has not yet been implemented fully.

Improved governance to ensure better coordination between different health services also needs to improve in many countries. In Pakistan, the health system with its various tiers and delivery mechanisms is fragmented. There is a range of service providers and funders, including local government, social security organisations, non-government organisations and private institutions. Resources are often wasted through duplication of work and a focus on tackling specific diseases rather than a whole systems approach.40 Weak governance with frail accountability mechanisms not only contributes to low quality healthcare but also coverage of services, and is not being consistently addressed.

Health management information systems also need strengthening to improve quality of care. A review by the WHO in the South East Asia region revealed several problems with health-related data, including: delays in receiving data, incomplete data, extraneous data in the system, data not suitable for decision-making and a lack of disaggregation.41

Financial risk protection

Out-of-pocket expenditure (OOPE) provides an overview of a key dimension of UHC—financial risk protection. While this measure alone is insufficient to fully understand the level of financial insecurity faced by families, it gives an indication of the state of UHC in countries where data are available. Many countries in South Asia do not have systems or processes set up to measure impoverishing or catastrophic expenditures. Bangladesh has a results framework to monitor its national health sector programme, but this does not include data on coverage of financial risk protection.8 Attempts to assess catastrophic expenditures have been undertaken using surveys,42 but recent data for all South Asian countries are not available.

Since the 2005 WHO resolution stating that all citizens should have access to health services without suffering financial hardship,1 OOPE as a proportion of total health expenditurei has fallen in some South Asian countries. However, OOPE remains generally high, accounting for between 18% and 67% of total health expenditure in 2014. Although these figures have reduced over time in some countries, overall progress to reduce OOPE is slow (figure 5).

Figure 5

Out-of-pocket expenditure as % of total health expenditure (2005–2014).43

OOPE prevents people from accessing healthcare. In Pakistan, the Core Welfare Indicators Questionnaire 2006–2007 found the main reason for not visiting health services when unwell was that treatment was too expensive (52%).44 Similarly, in India, OOPE has historically prevented people from accessing care. In 2004, it was estimated that 28% of illnesses in rural areas and 20% in urban areas were not treated because of financial constraints.45

In order to ensure citizens have access to health services, without suffering financial hardship, measures need to be in place to protect people from financial risk. As a first step, governments need to invest adequately in the health system, measured by the proportion of Gross Domestic Product (GDP)ii spent on public health expenditure.iii In 2014, this varied considerably across South Asia, from 0.9% in Pakistan to 10.8% in the Maldives. Over time, the largest countries have seen only marginal increases in spending (figure 6). In contrast, European countries with established UHC spend considerably more on health overall (in 2014, the UK spent 7.6% of GDP on public health expenditure; Germany spent 8.7%; and France spent 9.0%).46 Although this does not include maternal and child health-specific breakdowns, it does give an insight into overall investment in health. Child health subaccounts would help with targeting funding allocations.

Figure 6

Public health expenditure as a percentage of gross domestic product, 2005–2013.46

Once sufficient funding is allocated to health services, other issues need to be addressed to prevent people from catastrophic spending on health. Often when services are meant to be free, patients still end up paying. In Bangladesh, primary care and basic medicines are, in theory, covered by public spending, yet drugs often have to be bought from pharmacies.47 The reality is that the majority of people pay for services,48 with fee exceptions for the poor not always implemented due to shortages in medicine supplies and unofficial payments.47 ,49 Similarly, in Nepal, there are difficulties implementing fee waivers due to a lack of available drugs.47 In India, the majority (72%) of OOPE was spent on medicines,34 with rising costs of drugs the main reason for increasing medical care costs.45 A patient being detained when their healthcare bills could not be paid, has also been reported.50

There also needs to be a focus on maximising the impact of expenditure. The National Institute for Health and Care Excellence (NICE) International, for example, is working with the Indian government on priority setting and health technology assessment (reviewing clinical and economic effectiveness of medicines and treatments) to help it achieve UHC.51

To strengthen financial protection, countries are taking a number of different approaches. The public health system in Sri Lanka is funded from general tax revenue, with a small proportion (<5%) coming from international development assistance. The majority of spending comes from the central government (62%) and provincial governments (36%), with small contributions from local governments at the municipality level.52

In the Maldives, the population is covered by a universal health insurance scheme called Aasandha, which is funded by the government53 and provides the majority of care in the country.54 Aasandha has made considerable progress, with its pledge for achieving UHC recently commended by the WHO Regional Director for South East Asia.55

In India, there are a number of health insurance schemes available across the country, the largest of which is Rashtriya Swasthya Bima Yojana (RSBY),45 aiming to improve access to inpatient services for the poor by providing them with health insurance.33 Early studies suggest that the scheme has made a difference to financially protecting the poor for the covered procedures, but the scheme does not cover the common ambulatory care service33 and concern has been raised over the cap on financial protection.56 In addition to this, researchers have found that in some areas people covered under RSBY are still making OOPE payments.57 There are also concerns about fraud; the quality of the services on offer; and a lack of coordination between RSBY and other schemes.33 ,58 These problems could partly be due to the lack of investment by the government: the increase in government health funding has been small,59 with the scheme contributing <0.3% to total health expenditure in 2011.33 The High-Level Expert Group for UHC argues that the government can achieve UHC through providing universal health insurance.60 However, to achieve the government's plans of developing the largest health insurance scheme in the world, significant investment will be needed, with the High-Level Expert Group arguing that public funding will need to rise to at least 2.5% of GDP by 2017, and 3% of GDP by 2022, if the proposed system is to be implemented.60 Given the government's current health funding, this increase seems unlikely.

In Bangladesh, the healthcare financing strategy for 2012–2032, developed by the Ministry of Health and Family Welfare (2012), proposes using a number of financing mechanisms to raise funds, including tax, prepayment schemes and donor funding.61 As part of the strategy, a social health protection scheme is proposed, paid for through payroll tax and subsidised by general revenue, with compulsory membership for people working in the formal sector and voluntary membership for the informal sector.61 However, whether such an ambition is achievable has been questioned, with concerns that a successful national health insurance scheme might not be possible in a country where a third of the people live below the poverty line and the majority are not in formal employment.21

Moving forward

Political aspirations for UHC are high in South Asia. Countries have made pledges for UHC in constitutions, national health plans and high-level ministerial speeches. Some countries have been discussing the concept of UHC for decades. The Bhore Committee, as early as 1946, advised that India should ‘provide a full range of healthcare for everyone who wishes to use it’.62 The Government of Sri Lanka has also been committed to providing free universal healthcare for all citizens since the 1930s.63 Other countries have included the concept of UHC in national policy more recently. Afghanistan's National Health Policy (2015–2020) outlines the government's aspiration to achieving UHC.29 Bhutan outlines an aspiration to UHC in its constitution.37 The Maldives' Health Master Plan outlines the country's vision for health for 2006–2015, which includes an aspiration to provide social health insurance and create a needs-based, affordable and quality health service for all,54 and, in 2012, the government introduced Aasandha, a universal health insurance scheme.64 Nepal's new National Health Policy (2014/2015) aims to provide high-quality effective health services to everyone.65 ,66 Bangladesh formally committed to achieving UHC in 2011, with the Prime Minister announcing it at the 64th World Health Assembly.48 In Pakistan, the Prime Minister committed to achieving UHC and announced a new nationally-managed social health insurance scheme to provide 100 million people access to health services.67

Yet, although UHC is being discussed by governments in South Asia, this is not reflected in coverage figures, nor by financial allocations for health services.

Even where reported coverage of services is good, quality of care is often low. And, in terms of equity, those living in rural areas and of lower wealth status fare the worst. Although there are schemes and plans that attempt to address the poorest, there is not enough progress for the neediest populations.

To move forward in achieving UHC, governments and development partners need to prioritise interventions in three main areas: (1) removing financial and non-financial barriers to accessing and receiving high-quality healthcare; (2) increasing the amount of investment in essential health services, while ensuring effective and efficient spending, and (3) prioritising equity by allocating new resources to benefit the poorest first.

Context specific solutions for countries

While general principles for achieving UHC are well known, context specific solutions are needed, given the complexity of health systems in each country.

In Afghanistan, achieving UHC is particularly challenging due to the security issues the country faces. There is a need to decentralise more responsibility, apply mechanisms to regulate the private sector, examine public–private partnerships, improve financial risk protection, increase the number of female healthcare providers and expand health information systems.29

In Bangladesh, a five-point action plan has been proposed, which includes developing a national human resource policy and action plan to address the current workforce shortages; establishing a national insurance scheme; building an interoperable electronic health information system; strengthening the capacity of the Ministry of Health and Family Welfare; and creating a supra-ministerial council on health.21

In Nepal, coverage of good quality services needs to be addressed, and could be achieved through the planned health insurance scheme. Public sector spending necessary to rebuild following the 2015 earthquakes is a likely set-back to greater investments for achieving UHC in the short term.

Pakistan faces one of the steepest challenges, with a fragile security situation and recent devolution. Yet, what is clear is that action needs to be taken: to improve the quality of health services (including ensuring sufficient numbers of health workers in rural areas and the availability of medicines); to increase coverage of key MNCH services to address current inequities; and to prevent such a high proportion of people falling into poverty each month because of unaffordable medical costs – in 2005–2006, in any month, 4.7% ended up in poverty due to medical expenses.44 Piloting social health insurance initiatives and testing their viability at the provincial level, with subsequent scale up based on lessons learnt, could be one approach that will capitalise on the devolution realities of Pakistan.

In India, the High Level Expert Group for UHC argues that the government can achieve UHC through providing universal health insurance that gives the whole population access to a good quality and affordable ‘integrated national health system’.60 The current health insurance schemes could form a good foundation for the new system if existing problems could be tackled and coordination improved.33 ,60 To produce an adequate health system, the High-Level Expert Group argues that action needs to be taken in a number of areas, including: addressing health worker training and retention issues; restructuring governance; integrating the private sector; establishing a well-functioning health information and surveillance system; and introducing mechanisms to make drugs available at low cost for the whole population.60

The role of civil society and development partners

Where there has been recent dramatic progress towards UHC, such as in Thailand and a number of countries in Latin America, civil society has played a decisive role in reaching a tipping point for health reform and ensuring a focus on equity.68–70 Many countries in South Asia also have vibrant civil society actors who have already played a key role in progress towards UHC, such as in Bangladesh. Civil society organisations can be key partners in building on existing achievements and also on addressing many of the challenges noted above. They can do this by developing solutions collaboratively, and also by critiquing initiatives where they fall short of their aims, and continuing to push for reforms and increased resources that fulfil the vision of UHC.

Development partners also have an important role in assisting governments to achieve UHC. These include transferring knowledge and building capacity and accountability of governments to: (1) formulate and assess the cost of plans and strategies, (2) identify critical service and system gaps through the use of evidence-based planning tools, (3) use latest and best evidence for improving quality of health services, (4) improve quality of data collection, both nationally and at district level, (5) reduce inequities by developing a disproportionate focus on the neediest and (6) understand fully the political economy for health in countries, and where financial flows lie, to free up more local and central resources for health. These actions are intrinsically linked to the identified problems with coverage, equity, quality of care and financial risk protection.

Conclusion

This analysis gives an overview of UHC in South Asia with regard to reported coverage of selected MNCH health indicators, equity, quality and financial risk protection. It outlines some of the key challenges for countries in the region. Limitations include focusing only on MNCH. Further analysis is also required to understand how wider determinants of health impact on UHC for mothers and children. Another limitation is the reliability of comparable data between countries. In this analysis, we have mostly used data that have already been compared between countries by recognised agencies such as the World Bank, the WHO and UNICEF—and some of this data goes back a decade. We recognise that other individual data sources and surveys provide more recent and sometimes startlingly different estimates, which only reinforces the need for accurate measurement and accountability in health systems.

Seven of the eight countries in South Asia have national health policies that commit to providing health services for their population, with the exception of Pakistan, where responsibility for health lies largely with each province, following the government's recent devolution. There are strong examples of ongoing successes in countries such as Bhutan, the Maldives and Sri Lanka. Related to this success are factors such as lower OOPE and higher spending on health. Afghanistan, Bangladesh, India, Nepal and Pakistan are at different stages of planning how they can build on their existing health systems to achieve UHC. By focusing on coverage of interventions, quality of care, equity, financial risk protection and context-specific solutions, civil society and development partners can technically assist governments to reduce mortality and morbidity, increase health and well-being, and support sustainable and equitable development of health systems.

References

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Footnotes

  • Handling editor Seye Abimbola

  • Twitter Follow Douglas Noble at @douglasnoblemd

  • Contributors KS conducted the literature review, interviewed key stakeholders, drafted the first version of the manuscript and contributed to later versions. DJN conceived the idea for the paper, was involved in the conception of the first draft and contributed to later versions. KR, TO, ASA, GB, TG, RJ, LK, HR, IVS and SV reviewed a longer internal report on which this paper is based, as well as contributing to the manuscript. MC reviewed and contributed to the manuscript. All the authors approved the final manuscript.

  • Disclaimer The opinions expressed in this paper are solely those of the authors and do not necessarily represent the views or policies of UNICEF.

  • Competing interests None declared.

  • Provenance and peer review Not commissioned; externally peer reviewed.

  • Data sharing statement No additional data are available.

  • i The World Bank43 defines total health expenditure as the sum of public and private health expenditure. It covers the provision of health services (preventive and curative), family planning activities, nutrition activities and emergency aid designated for health, but does not include provision of water and sanitation.

  • ii The World Bank (2015e)43 defines GDP as: “the value of all final goods and services produced in a country in one. GDP can be measured by adding up all of an economy's incomes—wages, interest, profits and rents—or expenditures—consumption, investment, government purchases, and net exports (exports minus imports). Both results should be the same because one person's expenditure is always another person's income, so the sum of all incomes must equal the sum of all expenditures”.

  • iii The World Bank46 defines public health expenditure as capital spending from government (central and local) budgets, external borrowings and grants (including donations from international agencies and non-governmental organisations) and social (or compulsory) health insurance funds.

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