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With Public bugets so tight and negative incentives a concern, government is keen to focus it’s help on the most needy, and letting others carry more of their own burden. This may be the start of a third way fore welfare, in which individuals themselves are expected to take on more responsibility for insurable risks,presently covered by the state. There is a wide experience to draw on, both from within the uk, and abroad,of how private insurance can take up some of the strain and tailor a better service to today’s more diverse population.

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