Table 4 Multivariate Analysis of factors associated with the utilization of health insurance services
Variables | Category | Utilization of health insurance (n = 173) N (%) | OR (95% CI) | P value | AOR (95% CI) | P value |
|---|---|---|---|---|---|---|
Literacy | Illiterate | 30 (17.3%) | Ref | 0.225 | Ref | 0.25 |
Literate | 143(82.7%) | 0.63 (0.24–1.64) | 1.75 (0.48–6.3) | |||
Types of family | Joint/Extended | 58 (33.5%) | Ref | 0.175 | Ref | 0.141 |
Nuclear | 115(66.5%) | 0.75 (0.44–1.25) | 1.64 (0.74–3.63) | |||
Number of Elderly | 2.86 (2.39–3.43) * | 0.0003 | 2.7 (1.09–7.07) * | 0.040 | ||
Expenditure in Health | 1.02 (0.98–1.06) | 0.1106 | 1.00 (0.96–1.05) | 0.658 | ||
Presence of Chronic Illness | No | 57 (32.9%) | Ref | 0.002 | Ref | 0.025 |
Yes | 116(67.1%) | 8.3 (4.32–16.09) * | 5.10 (1.48–17.56) * | |||
Knowledge about health insurance | No | 136 (78.6%) | Ref | 0.182 | Ref | 0.200 |
Yes | 37 (21.4%) | 2.44 (0.47–12.7) | 2.02 (0.51–8.02) | |||
Last annual contribution amount Paid | 1.00 (1.00–1.00) | 0.0430 | 1.00 (0.99-1.00) | 0.112 | ||
Willingness to continue | No | 12(6.9%) | Ref | 0.101 | Ref | 0.008 |
Yes | 161(93.1%) | 2.13 (0.76–5.99) | 2.18 (1.47–3.25) * | |||
Membership duration | 1.15 (1.05–1.24) | 0.0128 | 1.14(1.05–1.24) * | 0.013 |