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Table 3 Summary of household non-food expenditure, OOPHE and health conditions

From: Does the National Health Insurance Scheme provide financial protection to households in Ghana?

Variable

Health insurance status

Total (n = 2,418)

F-Testb

Uninsured (n = 1,117)

Partially insured (n = 620)

Fully insured (n = 681)

Mean household non-food expenditure (Gh¢)a

97.77 (76.15)

117.71 (86.30)

129.21 (100.26)

111.74 (87.17)

30.18***

Mean per capita household non-food expenditure (Gh¢)

32.65 (34.02)

25.87 (23.06)

48.57 (58.08)

35.39 (44.89)

47.11***

Mean OOP health expenditure (Gh¢)

7.66 (21.31)

13.02 (34.05)

9.62 (19.79)

9.59 (24.93)

9.29***

Mean OOP health expenditure as % of non-food expenditure (%)

7.49 (13.09)

9.33 (12.86)

8.77 (11.30)

8.32 (12.57)

4.85***

Households with illness in the last 4 weeks (%)

25.52 (43.61)

44.52 (49.73)

44.93 (49.78)

35.86 (47.97)

50.22***

No. of illness per household in the last 4 weeks (mean)

1.20 (0.55)

1.33 (0.69)

1.21 (0.51)

1.25 (0.59)

4.39**

Having a member with chronic illness (%)

7.61 (26.52)

16.45 (37.10)

19.53 (39.67)

13.23 (33.89)

30.66***

  1. Source: Authors; computed from household survey data, 2011
  2. Notes: Figures in parentheses are the standard deviations of the means
  3. aIn Ghana Cedis. US$1 = 1.5003 in March 2011
  4. bF-test for equal means. *Significant at 10% (p < 0.1); **Significant at 5% (p < 0.05); ***Significant at 1% (p < 0.01)