Table 2. Summary of Study Variables .

Variable	Definition of Variables	Measurements
Outcome Variable
Enrolment status	Status of the household’s membership in the NHIP	Enrolled (coded 1), not-enrolled (coded 0)
Explanatory Variables
Age	Age of household in completed years at the time of household survey	Less than 40 years, 40-59 years, 60 years or older
Gender	Gender of household head	Male, female
Education	The highest level of education attained by household head	No formal education, up to secondary level, post-secondary education
Ethnicity	Ethnicity of household members	Privileged (upper caste people and advantaged janajati), under-privileged (dalits and disadvantaged janajati)
Household size	The number of family members living in the household	Five or less members, more than 5 members
Family type	Type and composition of family	Nuclear, joint or extended
Presence of children aged 0-5 years	The number of children aged between 0 to 5 years present in the household	None, at least 1 child
Presence of elderly above 60 year	The number of elderly members above 60 years present in the household	None, at least 1 elderly
No. of members completed secondary education	The number of family members who have completed their secondary education	None, at least 1 member
Socio-economic status	Socio-economic position of households based on wealth quintile	Richest, rich, middle, poor, poorest
Illness experience	Number of family members who experienced any acute illness within 3 months prior to the survey period	None, at least 1 member
Presence of chronic illness	Number of family members who have at least one chronic illness	None, at least 1 member
Perceived health status of the family	Health status of the family as rated by the household head	Good, average, poor

Abbreviation: NHIP, National Health Insurance Program.