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approaches. By doing so, this book strengthens the hand of those seeking to reform the health system. I have enjoyed reading this publication, and stand amply informed about the intricacies of the current crops of schemes, the context in which they operate, and the opportunities and challenges they face. I am sure that other readers of this book will also echo my thoughts. I do look forward to continued efforts from all stakeholders on the recommendations made in this book, and also to reading more such analytical pieces that create and share new knowledge on the Indian health insurance schemes. L.C. Goyal Additional Secretary, Ministry of Health and Family Welfare, and Director General, Central Government Health Scheme Government of India