Ravindran BMC Public Health 2012, 12(Suppl 1):S4 http://www.biomedcentral.com/1471-2458/12/S1/S4 administrative procedures which may exclude the most marginalized women. Cash incentives made available as part of CCTs should be adequate to protect women from catastrophic health expenditures. For expanding ‘health care’ coverage to adequately cover women’s health needs, the range and content of services provided need to address differences between women and men in terms of conditions that occur exclusively in women or men; that are more common; manifest differently; more severe or with more serious consequences; and with different risk factors, for women or men. The range of reproductive health services in the Essential Services Package need to go beyond antenatal care and family planning, to include, at the least, skilled attendance at delivery and essential gynaecological services. Expanding health care coverage also calls for insur- ance schemes that are large enough to ensure effective risk pooling and cross-subsidising. Micro-insurance schemes will have to be subsidised to be able to include sexual and reproductive health services in the benefits package. Attention to gender differences in factors affecting health seeking behaviour should inform the location and timing of services. Services available closer to home or workplace and at times suitable to women or men are more likely to be utilised, and could make a big differ- ence to identification of morbidity and effective treat- ment and cure. Changes towards more democratic and gender-sensi- tive provider-patient interactions are needed in the ser- vice -delivery setting. At the minimum, there should be no physical or verbal abuse of any patient by any mem- ber of the health team. All of these are feasible given the political will. For, gender inequality is not a problem without a solution. 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