Table 4 . Perception about the health insurance product and insurance status .

Variables	Strongly disagree	Disagree	Not sure	Agree	Strongly Agree	F-statistic	P
Subscribing a policy will not benefit me	8.70	28.10	25.90	27.00	10.30	0.99	0.02
It will not reduce my medical expenditure	10.30	50.60	28.10	11.00	0.00	3.06	0.07
Premium is too high so it is not affordable	9.10	36.90	38.40	13.70	1.90	2.41	0.99
The eligibility criteria are difficult	11.40	10.30	32.70	35.00	10.60	0.03	0.33
I find product conditions too complex	24.30	35.40	25.90	12.50	1.90	1.15	0.01
It does not provide any monetary benefits so its worthless	17.50	35.00	24.00	23.60	0.00	3.23	0.54
Companies create lots of hassles during claims	31.20	39.50	15.20	14.10	0.00	10.23	0.00

Dependent variable: insurance status (insured and uninsured); Significance level at 1% and 5%. Figures in parentheses are %.