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Table 4 Possibility of encountering catastrophic health expenditures due to health Service utilization in 1-year period

From: Laos’ Social Health Insurance (SHI) program’s impact on older people’s accessibility and financial security against catastrophic health expense

Older population’s and their household’s characteristics

(Independent variables)

Binary logistic regression model 2: Possibility

of encountering catastrophic health expenditure

(in 1-year period)

Nagelkerke R2 = 0.434

Odd Ratio (OR)

P-Value

Predisposing characteristics

Gender

  

♣ Male

  

♣ Female

0.048

0.045*

Age

  

♣ Young old (60–69)

♣ Middle-old (70–79)

♣ Oldest-old (more than 80)

0.714

0.254

0.570

0.011*

Level of education

  

♣ No formal education

♣ Primary school

♣ Secondary school

♣ College/ university degree

12.021

16.570

30.359

0.308

0.206

0.131

Household size

  

♣ Small (1–4 people)

  

♣ Large (more than 5 people)

0.242

0.528

Occupation

  

♣ Retired government official

  

♣ Self-employed or business owner

♣ Freelancer

♣ Others

0.533

2.778

0.344

0.363

0.530

0.265

Enabling characteristics

Income level

  

♣ Less than or equal to $125

  

♣ More than $125 to $280

♣ More than $280 to $500

♣ More than $500

0.183

0.028

0.012

0.014*

0.018*

0.002*

Mean of transportation

  

♣ Without a vehicle

  

♣ Motorcycle

♣ Car

0.401

0.813

0.219

0.859

Travelling time to hospital

  

♣ Less than 30 minutes

  

♣ Between 30 to 60 minutes

0.718

0.513

Need-based characteristics

Presence of older persons

  

♣ One

  

♣ Two or more

0.242

0.528

Presence of chronic conditions

  

♣ No

  

♣ Yes

0.466

0.345