Table 2.

Characteristics of insured users (respondents) to investigate health service responsiveness

Independent variables	Categories	Frequency	Percentage
Type of facility visited	Public	435	54.7
	Private	361	45.3
Age	<40 years	387	48.6
	≥40 years	409	51.4
Sex	Male	431	54.2
	Female	365	45.8
Educational status1	Lower education	247	31.0
	Higher education	549	69.0
Monthly income level (US$)2	≤187 dollars	239	30.0
	>187 dollars	557	70.0
Type of marital status	Polygamy	187	23.5
	Others3	609	76.5
Duration of enrolment	≤2 years	282	35.4
	>2 years	514	64.6
12 months visits to HCPs*	1–3 visits	231	29.0
	>3 visits	565	71.0
Referral after enrolment4	Yes	363	45.6
	No	433	54.4
Total N (%)		796	100

^*HCPs = health care providers.

¹Lower education = secondary school and below; higher education = polytechnics and universities.

²Up to 187 US dollars is ~30000 naira (Nigerian currency) considered as lowest government-approved monthly salary, all as at the time of the study.

³Includes monogamy, those not yet married, divorced and widowed because we are interested in investigating the effect of polygamy as a socio-cultural norm.

⁴Insured-users that had ever been referred for secondary or tertiary health care in the insurance scheme.