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health financing nepal health system health insurance cancer ministry of health dohs shsdc hib uhc universal health coverage social health security health insurance board reproductive health sexual health adolescents asrh out-of-pocket beveridge bismark health system models control knobs of health system building blocks of health system health system development who survey nhrc steps dental mental health hypertension diabetes ncds risk factors health malnutrition weight height obese obesity overweight body mass index bmi cost of illness coi direct cost financial hardship cost goals of health system