Table 5.
Willingness to pay of the SSS sample (binary probit regression and linear regression)
| Independent Variables | Willing to Pay for Health Insurance (1 = Yes, 0 = No) Binary Probit Regression, N = 309 | Exact Amount of Payment Stated in MMK (1000 MMK = 0.81 USD) Linear Regression, N = 309 | ||||
|---|---|---|---|---|---|---|
| Coef. | SE | Margin | SE | Coef. | SE | |
| Age | −0.001 | 0.014 | −0.000 | 0.001 | 7.196 | 7.658 |
| Gender | −0.238 | 0.305 | −0.022 | 0.028 | −299.554 | 158.053 |
| What is your primary occupation activity at present? | 0.735* | 0.350 | 0.068* | 0.031 | 123.129 | 185.972 |
| What is your highest educational level? | 0.210 | 0.294 | 0.019 | 0.027 | 186.887 | 165.816 |
| What is your civil status at present? | 0.344 | 0.331 | 0.032 | 0.030 | 446.560** | 172.700 |
| How would you rate your overall health status at present? | −0.124 | 0.209 | −0.011 | 0.019 | 110.701 | 109.791 |
| How many adult persons (age 18 or higher) are there in your household? | 0.044 | 0.092 | 0.004 | 0.009 | −81.161 | 48.872 |
| How many children (under the age 18) are there in your household? | 0.006 | 0.102 | 0.001 | 0.010 | 47.498 | 61.917 |
| Considering the income of all household members and all sources of income (eg, wages, social welfare, pensions, rents, fees, etc.), what is your average net monthly household income? | −0.001 | 0.008 | −0.000 | 0.001 | 10.526** | 3.666 |
| Which of the following is true regarding your current household income? | 0.266 | 0.297 | 0.025 | 0.027 | 93.601 | 155.457 |
| Knowledge of health insurance | 0.062 | 0.278 | 0.006 | 0.026 | −11.080 | 151.336 |
| Experience of health insurance | 0 | ‐ | 0 | ‐ | 0 | 0 |
| Currently registered in any kind of health insurance | 0 | ‐ | 0 | ‐ | 0 | 0 |
| Having health insurance could prevent financial hardship if you get sick? | 0.222 | 0.176 | 0.021 | 0.016 | 67.641 | 103.983 |
| Return from health insurance is high when you get sick. | 0.019 | 0.173 | 0.002 | 0.016 | 86.707 | 89.119 |
| I do not expect to spend money for seeking health care this year because I am healthy. | 0.037 | 0.119 | 0.003 | 0.011 | 117.804 | 67.665 |
| Insurance benefits are higher than the cost of insurance and of giving user fees. | 0.223 | 0.177 | 0.021 | 0.016 | 167.886 | 98.259 |
| I trust health insurance system. | −0.003 | 0.191 | −0.000 | 0.018 | 136.465 | 107.530 |
| I would prefer to pay at the time of illness instead of paying for insurance. | 0.078 | 0.108 | 0.007 | 0.010 | 132.261* | 63.035 |
| Cons | −2.212 | 2.011 | ‐ | ‐ | −1808.218 | 1077.352 |
|
LR χ2 = 15.60 Prob > χ2 = 0.552 Pseudo R 2 = 0.109 |
Prob > F = 0.000 R‐squared = 0.203 Adj R‐squared = 0.156 Root MSE = 1176.8 |
|||||
*
P < 0.05.
**
P < 0.01.