Table 4 Distribution of awareness on CBHI, willingness to join CBHI and ability to pay for CBHI in Oromia Region, 2018, Ethiopia

Ever heard about CBHI

Yes

619

74.6

No

211

25.4

Know the benefits package of CBHI

Yes

473

57

No

237

28.6

Benefits package of CBHI

Drugs

320

38.6

Surgery except for cosmetic Surgery

67

8.1

Inpatient stay

89

10.7

Laboratory Tests

43

5.2

Others

8

1.0

Heard CBHI from

Radio

219

26.4

HEW

29

3.5

TV

289

34.8

Neighbor

37

4.5

Leader of HAD

42

5.1

Others

2

.2

Missing

212

25.5

Variables

Frequency

Percent

Willing to

Yes

716

86.3

uptake CBHI

No

114

13.7

Reason to uptake CBHI

It provides free access to medical care

243

33.9

To help others

68

9.5

For security and peace of mind in times of ill- Health

259

36.2

Facing health problem

15

2.1

Frequently unable to cover medical care cost at the time of ill-health

117

16.3

Other

14

2.0

Reason for not join the scheme

not have enough money to pay

50

46.3

Do not need health insurance

34

31.5

Other

24

22.2

Willing to pay for CBHI

Yes

688

96.2

No

28

3.8

Can pay 500ETB/year

Yes

415

58.0

No

301

42.0

Pay the initial bid as annual premium/HH for CBHI

Yes

404

64.2

No

225

35.8

Pay if the premium is double

Yes

165

27.9

No

426

72.1

Pay if the premium is halved

Yes

362

74.2

No

126

25.8

Max. pay/year as a premium

< 500

397

47.3

500–1000

114

13.6

> 1000

66

7.9

The reason the HH not willing to pay for the scheme

Doubt the management of the fund

10

15.6

Because of lack of money

30

46.9

Out-of-pocket payment is better than CBHI scheme

17

26.6

Others

7

10.9

Frequency want to pay the yearly premium

Annual flat rate

230

32.5

Bi-annual flat-rate

278

39.3

Quarterly a year flat-rate

144

20.3

Monthly

46

6.5

Others

10

1.4