In Nepal for example the official figure for access to clean water is 80% of the population, but when the functionality of water systems is taken into account the coverage falls as low as 53%.
Employers then deposit the savings resulting from the difference between those and the more usual type of coverage in an account for the person to use for routine medical expenses.
Employers then deposit the savings resulting in the difference between these policies and the more usual type of coverage into an account for the employee to use for routine medical expenses, a medical version of Individual Retirement Accounts.
Earlier in the Games, NBC came under fire for filing a complaint over tweets by Guy Adams, the Los Angeles-based journalist whose Twitter account was temporarily suspended after he criticized NBC for its Olympics coverage.
Ms Kirkbride said until the row blew up it had not occurred to her she had done anything wrong but said she wanted the Conservatives to have a "great result" at the next election and had to take into account "the effects on my family" of all the media coverage.
Meanwhile, middle-class families have been getting a smaller portion of the overall tax benefits, in part because they tend to hold less-costly "term" insurance, which provides coverage just for a designated period and doesn't involve a tax-advantaged investment account.