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<h1>Universal health coverage recommends integrating insurance schemes with financing, access, workforce and service-norm reforms.</h1> The Universal Health Insurance Scheme and the Rashtriya Swasthya Bima Yojana provide subsidised insurance coverage for BPL families and selected unorganised sector workers; a High Level Expert Group on Universal Health Coverage recommended reforms on health financing, access to medicines, human resources, service norms, governance, community engagement and social determinants, and the Government approved these recommendations for inclusion in the Twelfth Five Year Plan.