Table 2.
Characteristics related to health insurance.
|
| ||||
|---|---|---|---|---|
| EMPLOYEES | PUBLIC SECTOR | PRIVATE/ NGO | PENSIONER | |
|
| ||||
| Heard of health insurance (HI) | 0.939 | 0.938 | 0.954 | 0.884 |
|
| ||||
| Fully informed how HI worksa | 0.397 | 0.416 | 0.399 | 0.266 |
|
| ||||
| -Only those who fall sick should consider HI (=not correct) | 0.941 | 0.952 | 0.950 | 0.828 |
|
| ||||
| -You pay the premium but do not know whether you get the money back (=not correct) | 0.651 | 0.655 | 0.665 | 0.571 |
|
| ||||
| -HI is like a saving scheme, you will receive interest and principal (=not correct) | 0.686 | 0.726 | 0.652 | 0.588 |
|
| ||||
| -You pay a premium for HI to finance future health care needs (=correct) | 0.816 | 0.809 | 0.844 | 0.730 |
|
| ||||
| -With no claim, premiums will be returned (=not correct) | 0.724 | 0.761 | 0.723 | 0.489 |
|
| ||||
| N | 2,749 | 1,475 | 1,041 | 233 |
|
| ||||
| Any household member has HI | 0.523 | 0.395 | 0.774 | 0.209 |
|
| ||||
| Percentage of household members with HI | 18.1 (29.7) | 37.9 (35.14) | 11.32 (27.33) | 25.04 (33.30) |
|
| ||||
| Proportion of household members in HI-category | ||||
|
| ||||
| 0 % | 0.477 | 0.605 | 0.226 | 0.791 |
|
| ||||
| 1–20% | 0.127 | 0.104 | 0.178 | 0.039 |
|
| ||||
| 21%–50% | 0.249 | 0.189 | 0.371 | 0.087 |
|
| ||||
| more than 50% | 0.147 | 0.103 | 0.224 | 0.083 |
|
| ||||
| N | 2,723 | 1,462 | 1,031 | 230 |
|
| ||||
| Monthly health insurance premium (Birr) | 82.89 (200.25) | 104.52 (214.26) | 71.07 (193.56) | 0.000 (0.000) |
|
| ||||
| N | 471 | 209 | 242 | 20 |
|
| ||||
| Annual health insurance cap | 13057.30 (30215.96) | 12614.48 (35415.03) | 13742.89 (24049.1) | 9857.14 (8198.10) |
|
| ||||
| N | 532 | 275 | 243 | 14 |
|
| ||||
| Ratio of HI premium to income | 0.025 (0.072) | 0.036 (0.090) | 0.017 (0.053) | 0.000 (0.000) |
|
| ||||
| N | 471 | 209 | 242 | 20 |
|
| ||||
| Who pays for HI | ||||
|
| ||||
| Employer | 0.756 | 0.757 | 0.747 | 0.894 |
|
| ||||
| Self | 0.011 | 0.021 | 0.004 | 0.000 |
|
| ||||
| Both | 0.233 | 0.222 | 0.249 | 0.106 |
|
| ||||
| N | 1,414 | 576 | 791 | 47 |
|
| ||||
Notes: Standard deviations are in parentheses; a Fully informed how HI works = 1 if the respondent chose the correct answer for all five questions.