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

Replication repository for the manuscript 'Measuring What Matters for Viability of Inclusive Insurance: Behavioural Diagnostics from 169 Schemes Across 38 Countries' (under review at The Geneva Papers on Risk and Insurance — Issues and Practice, GPRI-D-26-00024).The deposit allows full reproduction of every numerical claim, table, and figure in the manuscript from audit-clean source data. It contains:• The 169-scheme registry with country, year, source documentation, and outcome coding (data/01_registry/).• Raw external data from public sources: Alesina et al. (2003) ethnic, linguistic, and religious fractionalization; WHO Global Health Expenditure Database; WHO Universal Health Coverage Service Coverage Index 3.8.1; trust pillar source from World Values Survey Wave 7 Q57, Asian Barometer Wave 4 Q23, and Afrobarometer Round 9 Q86A (data/02_external_raw/).• Three pillar datasets: country-level trust (audit-traceable across the three survey instruments), Consensus operationalised from Alesina fractionalization, and Dual Benefit constructed from WHO SCI and out-of-pocket share of current health expenditure (data/03_pillars/).• Derived analytical datasets at country and scheme level (data/04_analytical/).• R replication scripts that reproduce all six tables and three figures plus a numerical audit script that re-verifies every claim in the manuscript (scripts/).• Pre-computed outputs for verification (outputs/).• Codebook, README, and Issue Briefs documenting methodological choices and robustness checks (CODEBOOK.md, README.md, docs/).A single-command entry point (replicate.R at the deposit root) automatically handles working-directory detection, package installation, and structural verification.Changes from v.2: notation-consistency fixes (S = sustainability throughout); §4.5 robustness checks (GDP partial; trust-construct subsets); revised reference list (48 unique entries, all primary-source-verified); audit script reports 0 FAIL across 37+ numerical claims.