Table 5 Incidence of catastrophic health expenditure per episode at SEWA by specific characteristics
| Â | Number of cases (%) | Number of cases with CHE (%) before insurance | Number of cases with CHE (%) after insurance | Probability of experiencing CHE before insurance (95% CI) | Probability of experiencing CHE after insurance (95% CI) |
|---|---|---|---|---|---|
Provider | Â | Â | Â | Â | Â |
Private | 2711 (86%) | 1339 (89%) | 640 (90%) | 49% (47, 51) | 24% (22, 25) |
NGO | 204 (6%) | 74 (5%) | 41 (6%) | 36% (30, 43) | 20% (15, 26) |
Government | 236 (8%) | 84 (6%) | 30 (4%) | 35% (29, 42) | 13% (9, 18) |
Annual household income | Â | Â | Â | Â | Â |
Q1 | 928 (31%) | 845 (56%) | 396 (57%) | 91% (89, 93) | 43% (39, 46) |
Q2 | 561 (19%) | 346 (23%) | 145 (21%) | 62% (57, 66) | 26% (22, 30) |
Q3 | 869 (29%) | 234 (16%) | 112 (16%) | 27% (24, 30) | 13% (11, 15) |
Q4 | 616 (21%) | 71 (5%) | 41 (6%) | 11% (9, 14) | 7% (5, 9) |
Diagnosis | Â | Â | Â | Â | Â |
Fevers | 745 (24%) | 365 (25%) | 126 (18%) | 49% (45, 53) | 17% (14, 20) |
Injuries | 405 (13%) | 142 (10%) | 70 (10%) | 35% (30, 40) | 17% (14, 21) |
Diarrhoeal diseases | 331 (11%) | 123 (8%) | 35 (5%) | 37% (32, 42) | 11% (7, 14) |
Respiratory tract infections | 306 (10%) | 157 (10%) | 66 (9%) | 51% (45, 57) | 22% (17, 27) |
Non-communicable diseases | 264 (8%) | 139 (9%) | 78 (11%) | 53% (46, 59) | 30% (24, 35) |
Acute abdominal conditions (incl. laparotomies) | 174 (6%) | 100 (7%) | 62 (9%) | 57% (50, 65) | 36% (29, 43) |
Diseases of the reproductive system (incl. hysterectomies) | 194 (6%) | 117 (8%) | 87 (12%) | 60% (53, 67) | 45% (38, 52) |
Diseases of the urinary system | 142 (5%) | 74 (5%) | 31 (4%) | 52% (44, 61) | 22% (15, 30) |
Ocular conditions | 113 (4%) | 44 (3%) | 20 (3%) | 39% (30, 49) | 18% (11, 26) |
Exclusions | Â | Â | Â | Â | Â |
Claim rejected | 608 (19%) | 306 (20%) | 306 (43%) | 50% (46, 54) | 50% (46, 54) |
Claim accepted | 2544 (81%) | 1191 (80%) | 405 (57%) | 47% (45, 49) | 16% (14, 17) |