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- [27] The Impact of Health Insurance on Health-care Utilisation and Out-of-Pocket Payments in South Africa GENEVA PAPERS ON RISK AND INSURANCE-ISSUES AND PRACTICE, 2012, 37 (04): : 633 - 654
- [29] The Impact of Health Insurance on Health-care Utilisation and Out-of-Pocket Payments in South Africa The Geneva Papers on Risk and Insurance - Issues and Practice, 2012, 37 : 633 - 654