Does insurance protect individuals from catastrophic payments for surgical care? An analysis of Ghana’s National Health Insurance Scheme at Korle-Bu teaching Hospital

Table 3 Welfare Characteristics of the Respondents

Variables	Health insurance status		P- value (Fisher’s exact test)	95% CI
Variables	Insured	Uninsured	P- value (Fisher’s exact test)	95% CI
Individual Gh¢ ($USD)
Mean monthly income	744.5 (78)	800.64 (47)	0.529	680.5 - 850.7
House-hold Gh¢ ($USD)
Mean monthly total expenditures	904.3 (127)	726.9 (69)	0.027	766.3-917.4
Mean monthly non-food expenditures	668.4. (127)	531.4 (69)	0.033	559.6-680.8
Household wealth index %(N)^a
Poor	33% (43)	38% (26)	0.471
Middle	30%(38)	35% (24)
Rich	36%(46)	28% (19)

Source: Authors; computed from individual survey data, 2017
Ghana Cedis (Gh¢) 4.5= $1.0USD, March 2018
T- test for equal means, significant level at 0.05
^aBased on principal component analysis of the response of individuals to 22 items which included households’ dwelling characteristics, access to utilities and ownership of consumer durables. (N) number of respondents

ISSN: 1472-6963