The new insurance exchanges created by this law ensure coverage of preventive care and basic health services, including maternity care, which is often not provided in health plans in the individual insurance market.

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But when it comes to basic health services, unless those services are available in your village, you may never receive preventative care.

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Dr Dreze cites the example of Brazil where almost half of all health expenses is paid by the government (compared to barely a quarter by India), and where basic health services like immunisation and ante-natal care at birth are almost universal.

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Conditions for the refugees now in Kutum are poor, with the majority of those displaced from the camp living in open areas without basic services, such as clean water, food, sanitation facilities and health care, UNAMID said Friday.

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