BISWAKARMA, Gangaram; DHAKAL, Basanta; SAPKOTA, Daya. From Perception to Adoption: Drivers of Commercial Health Insurance Purchase Intentions Among School Teachers in Nepal. Journal of Innovation in Academia, [S. l.], v. 4, n. 2, p. 28–57, 2025. Disponível em: https://nepjol.info/index.php/idjina/article/view/88779. Acesso em: 14 may. 2026.