Table 4.

Correlates of financial catastrophe among households

Independent variables*	Odds ratio (95%CI) for incurring financial catastrophe at different thresholds
	5%	10%	15%	20%
Poorest/first quintile	3.7 (2.8, 5)	3.7 (2.6, 5.3)	7.8 (4.5, 14.5)	47 (12.2, 397.2)
(Least poor/fifth quintile)	p<0.05	p<0.05	p<0.05	p<0.05**
Below poverty line card holders	1.5 (1.1, 2)	1.9 (1.4, 2.6)	2.3 (1.6, 3.3)	2.7 (1.8, 4)
(Above poverty line card holders)	p<0.05	p<0.05	p<0.05	p<0.05
Government sector***	0.9 (0.7, 1.1)	1 (0.8, 1.3)	1.2 (0.9, 1.7)	1.4 (1, 2)
(Private sector)	p=0.44	p=0.89	p=0.16	p=0.05
Super-specialty hospitals	1.9 (1.5, 2.4)	2.1 (1.6, 2.8)	2.3 (1.7, 3.2)	2.3 (1.6, 3.4)
(Clinics/Health centres)	p<0.05	p<0.05	p<0.05	p<0.05
Referral hospitals	1.6 (1.3, 1.9)	1.5 (1.2, 1.9)	1.6 (1.7, 3.2)	1.5 (1.1, 2.1)
(Clinics/Health centres)	p<0.05	p<0.05	p<0.05	p<0.05
Households with four or less members	1.5 (1.3, 1.8)	1.8 (1.5, 2.2)	2.2 (1.7, 2.8)	2.2 (1.7, 2.9)
(Households with more than four members)	p<0.05	p<0.05	p<0.05	p<0.05

*Comparator is provided in the bracket. **Fisher exact p value. ***173 households whose members exhibited mixed health seeking behavior (i.e. using government as well as private sector as place for consultation) were dropped from the analysis.