Ranjit, R. et al. 2026. Understanding Health Insurance Accessibility for People Living with HIV/AIDS in Kathmandu Valley: Barriers, Attitudes and Policy Recommendations. SAARC Journal of Tuberculosis, Lung Diseases and HIV/AIDS. 23, 1 (Feb. 2026), 22–32. DOI:https://doi.org/10.3126/saarctb.v23i1.83802.