Table 2 Measurement of Variables

Health insurance enrolment

NHIS enrolment

0 = Uninsured and 1 = Insured

0 = currently uninsured and 1 = currently insured

Key Independent Variable

Operational Measurement

Rural-urban location

0 = Urban and 1 = Rural

Type of health insurance enrollment

0 = Other insurance and 1 = Enrolled in NHIS

Age

Continuous positive whole numbers in years

Sex

0 = Female and 1 = Male

Marital Status

1 = Never married, 2 = Married and 3 = Divorced

Religion

0 = Other religion and 1 = Christian

Household size

Continuous positive whole numbers of the number of household members

Educational Level

1 = No education, 2 = Basic education and 3 = Secondary education and above

Employment Status

0 = Unemployed and 1 = Employed

Type of Employment

0 = part-time employment and 1 = Full-time employment

Occupation

1 = Farmer, 2 = Artisan/Trader, 3 = Labourer/Casual, Managerial/Professional, 5 = Business Owner

Annual Income

Amount earned measured in Ghana Cedis

Wealth Status

1 = poorest; 2 = poor; 3 = average; 4 = rich and 5 = richest (per capita household food and non-food consumption expenditure)

Frequency of health facility visits

Continuous positive whole numbers of the number of health facility visits within the last 6 months prior to the survey

Health Status

1 = Bad health, 2 = Fair health and 3 = Good Health

Time taken from home to facility

Continuous positive whole numbers of the time in minutes it takes to move by road from home to health facility

Ownership of Health Facility

0 = Private and 1 = Public