Table 4.

Factors influencing the decision to join the subsidised government scheme

	Salary category (%)
Factors Affordability	Lower skilled	Skilled	Highly-skilled	Supervisory and Senior Management	Overall(%)
Insured joined because scheme affordable	57.9	65.0	70.2	67.2	67.4
Uninsured did not join because scheme expensive	40.2	40.2	27.1	33.3	34.8
Uninsured would join if scheme more affordable	34.0	32.0	34.6	13.3	32.8
Benefit options and coverage
Insured joined as scheme offered better benefits and covered more dependents	36.8	41.2	33.5	49.2	37.9
Uninsured would join if more dependents were covered	2.1	2.1	0.0	0.0	1.2
Administrative complexity of scheme
Insured joined as administrative procedures easy	2.6	10.3	6.0	11.5	7.5
Uninsured did not join as administrative procedures complex	28.9	21.7	17.3	20.0	21.9
Information about scheme
Uninsured did not join scheme as lacked information	23.7	23.7	15.8	6.7	19.9
Uninsured would join if more information provided	2.1	2.1	0.0	0.0	1.2
Need for health insurance
Uninsured did not join as insurance not needed	10.3	15.5	17.3	26.7	15.2
Uninsured would join if there was a health need	41.2	44.3	31.6	33.3	38.0

Multiple-response questions.