Replication Data and Code for: Measuring What Matters for Viability of Inclusive Insurance — Behavioural Diagnostics from 169 Schemes Across 38 Countries

Replication repository for Dror (2026), "Measuring What Matters for Viability of Inclusive Insurance: Behavioural Diagnostics from 169 Schemes Across 38 Countries," submitted to the Geneva Papers on Risk and Insurance — Issues and Practice, Special Issue on Inclusive Insurance. This repository contains all data and code needed to reproduce every statistical result, table, and figure in the manuscript. A single R script (replicate_all.R) reproduces all findings from the source data with no manual steps. The script verifies each result against the manuscript using automated assertions (stopifnot) that halt execution if any number does not match. DATASETS:- schemes_dataset.csv: 169 named community health insurance (CHI) schemes across 38 countries, with country-level trust measurements and sustainability outcomes—source: Trust_as_Commons v1.0 (Zenodo record 18244575).- COMPLETE_274_ORGANIZATIONS_FINAL.csv: 274 organisations at three governance scales (community, local, regional) across five continents, with continuous consensus measurements and success outcomes. Source: Consensus Thresholds repository (Zenodo record 17219731).- countries_dataset.csv: 216 countries with trust data availability and scheme counts.- trust_data_sources.csv: Survey attribution for each country's trust measurement (World Values Survey, Afrobarometer, Asian Barometer, Wellcome Global Monitor). KEY FINDINGS REPLICATED:- Trust threshold at 15% generalised trust: OR = 4.93 (Fisher's exact, 95% CI: 2.15–11.64, p < 0.001)- Consensus threshold at C = 0.55: OR = 4.27 (Fisher's exact, p < 0.001)- Scale determines achievable consensus: eta-squared = 71.3%, F = 337, p < 1e-16- Consensus predicts success after controlling for scale: likelihood ratio test p = 0.005- Regional heterogeneity: consensus significant in Africa (p = 0.030) and Europe (p = 0.048) at local scale, absent in Asia (p = 0.919) DOCUMENTATION:- README.md: Quick start instructions, repository contents, methodology notes- CODEBOOK.md: Complete data dictionary for all variables in all files- LICENSE: CC BY 4.0 REQUIREMENTS: R >= 4.1; ggplot2 for figures (statistical replication uses base R only).