KAUR, H. Micro Insurance: Risk and Challenges in Himachal Pradesh. International Journal of Management and Development Studies , [S. l.], v. 13, n. 12, p. 28–38, 2024. DOI: 10.53983/ijmds.v13n12.004. Disponível em: https://ijmds.in/index.php/ijmds/article/view/801. Acesso em: 15 oct. 2025.