Table 2.

Multinomial logit regression model of health insurance schemes.

Model		I		II		III
Independent variables		Scheme B	Scheme C	Scheme B	Scheme C	Scheme B	Scheme C
Age	RRR	5.10∗∗∗	6.44∗∗∗	6.31∗∗∗	7.50∗∗∗	5.98∗∗∗	4.39∗∗∗
	SE	0.70	0.78	0.81	0.84	0.63	0.40
Education level	RRR	0.53∗∗∗	0.41∗∗∗	0.54∗∗∗	0.39∗∗∗	0.52∗∗∗	0.40∗∗∗
	SE	0.05	0.03	0.05	0.03	0.04	0.03
Working sector	RRR	0.24∗∗∗	0.76∗∗∗	0.28∗∗∗	0.92	0.35∗∗∗	0.99
	SE	0.02	0.06	0.02	0.06	0.02	0.06
Household income	RRR	0.10∗∗∗	0.54∗∗∗	0.12∗∗∗	0.68∗∗∗	0.14∗∗∗	0.63∗∗∗
	SE	0.01	0.04	0.01	0.05	0.01	0.04
Household children	RRR	3.94∗∗∗	2.73∗∗∗	5.55∗∗∗	3.80∗∗∗	14.74∗∗∗	4.69∗∗
	SE	0.62	0.40	0.81	0.51	1.69	0.48
Chronic illness	RRR	2.96∗∗∗	1.01	2.48∗∗∗	0.83	5.79∗∗∗	1.63∗∗∗
	SE	0.60	0.20	0.45	0.15	0.95	0.26
Family size	RRR	5.75∗∗∗	1.14	4.94∗∗∗	0.99
	SE	0.86	0.16	0.70	0.13
Family health status	RRR	0.31∗∗∗	0.35∗∗∗	0.27∗∗∗	0.32∗∗∗
	SE	0.05	0.05	0.04	0.04
Health expenditure	RRR	0.46∗∗∗	0.47∗∗∗	0.83∗	0.85∗
	SE	0.04	0.04	0.06	0.06
Marital status	RRR	0.25∗∗∗	0.26∗∗∗	0.31∗∗∗	0.31∗∗∗
	SE	0.02	0.02	0.03	0.02
Acute illness	RRR	4.50∗∗∗	4.71∗∗∗
	SE	0.96	0.90
Be aware of health insurance	RRR	0.57∗∗∗	0.43∗∗∗
	SE	0.08	0.05
Urban district	RRR	0.69∗∗	0.79∗
	SE	0.09	0.09
Health priority	RRR	6.52∗∗∗	5.35∗∗∗
	SE	0.99	0.70
_cons	RRR	762.92∗∗∗	47.96∗∗∗	4804.61∗∗∗	247.28∗∗∗	150.09∗∗∗	15.36∗∗∗
	SE	368.78	21.67	2164.38	103.22	48.01	4.60
	Prob > chi2	0.000		0.000		0.000
	Pseudo R2	0.44		0.40		0.34
	AIC	7084.65		7455.29		8201.60
	BIC	7287.09		7603.75		8296.08
	LR Test model I vs model II (LR chi2 = 386.64, p = 0.000)
	LR Test model I vs model III (LR chi2 = 1148.96, p = 0.000)
	LR Test model II vs model III (LR chi2 = 762.31, p = 0.000)

∗, ∗∗, and ∗∗∗ indicate p < 0.05, p < 0.01, p < 0.001 significant levels, and non-significant, respectively (Z-test).

B (Compulsory scheme) and C (voluntary scheme), RRR (relative risk ratios), SE (standard error), AIC (Akaike's information criterion), and BIC (Bayesian information criterion).

Note: Out-of-pocket was select as the base outcome.