One possible weak point is that there is a ceiling only on charges for the chronically ill. Widening this ceiling to the population at large would potentially reduce the risk of low-income households (particularly large ones) from being dissuaded from accessing the health-care system. Finally, co-payments for NHI services should not be the sole focus as direct payments linked to either Shaban or commercial insurance may well also be significant for those households who spend a substantial share of their incomes on health-care services. One approach is to base eligibility on whether individuals (or households) receive the National Insurance Institute’s (Nil’s) Income Support benefit (or the Income Supplement in the case of pensioners). However, the eligibility criteria for this support are so stringent that a significant share of low-income households does not receive these benefits. Clearly access to health care would be strengthened if access to them was itself widened, as has been suggested in other OECD analysis (OECD, 2010a, 2010b and 2011b).