Table 4.
Relationship between Factors (Socio-Economic and Others) and Utilization of Health Insurance.
| Variable | Utilization of NHIS |
χ 2 | df | P-value | |
|---|---|---|---|---|---|
| Yes (%) | No (%) | ||||
| Age group (years) | |||||
| 18-25 | 11 (5.4) | 2 (2.6) | 1.576 | 4 | .813 |
| 26-35 | 50 (24.6) | 18 (23.4) | |||
| 36-45 | 82 (40.4) | 34 (44.2) | |||
| 46-60 | 59 (29.1) | 23 (29.9) | |||
| 61 and above | 1 (0.5) | 0 (0.0) | |||
| Gender | |||||
| Male | 101 (49.8) | 37 (48.1) | 0.065 | 1 | .799 |
| Female | 102 (50.2) | 40 (57.9) | |||
| Educational status | |||||
| No formal education | 1 (0.5) | 0 (0.0) | 2.442 | 3 | .486 |
| Primary | 1 (0.5) | 1 (1.3) | |||
| Secondary | 30 (14.8) | 7 (9.1) | |||
| Tertiary | 171 (84.2) | 69 (89.6) | |||
| Marital status | |||||
| Single | 35 (17.2) | 13 (16.9) | 0.119 | 3 | .989 |
| Married | 161 (79.3) | 61 (79.2) | |||
| Separate/divorced | 3 (1.5) | 1 (1.3) | |||
| Widowed | 4 (2.0) | 2 (2.6) | |||
| Monthly income | |||||
| N18 000-N50 000 | 32 (15.8) | 10 (13.0) | 4.87 | 4 | .301 |
| N51 000-N100 000 | 87 (42.9) | 31 (40.3) | |||
| N101 000-N150 000 | 62 (30.5) | 20 (26.0) | |||
| N151 000-N200 000 | 16 (7.9) | 12 (15.6) | |||
| >N200 000 | 6 (3.0) | 4 (5.2) | |||
| Duration of enrollment | |||||
| Less than year | 7 (3.4) | 6 (7.8) | 8.577 | 4 | .073 |
| 1-5 years | 82 (40.4) | 32 (41.6) | |||
| 6-10 years | 84 (41.4) | 21 (27.3) | |||
| Over 10 years | 22 (10.8) | 11 (14.3) | |||
| Can’t remember | 8 (3.9) | 7 (9.1) | |||
| Ownership of NHIS card | |||||
| Yes | 160 (78.8) | 36 (46.8) | 27.331 | 1 | <.001* |
| No | 43 (21.2) | 41 (53.2) | |||
| Proximity to NHIS facility | |||||
| Live close to facility | 154 (75.9) | 56 (72.7) | 0.293 | 1 | .589 |
| Live far from facility | 49 (24.1) | 21 (27.3) | |||
| Satisfaction with care | |||||
| Satisfied | 114 (56.4) | 12 (17.6) | 30.754 | 1 | <.001* |
| Not satisfied | 88 (43.6) | 56 (82.4) | |||
| Service is time wasting | |||||
| Yes | 103 (51.0) | 39 (57.4) | 0.826 | 1 | .363 |
| No | 99 (49.0) | 29 (42.6) | |||
| Promptness of attention | |||||
| Given prompt attention | 104 (51.5) | 27 (39.7) | 2.826 | 1 | .093 |
| Not given prompt attention | 98 (48.5) | 41 (60.3) | |||
| Attitude of health care workers | |||||
| Friendly | 124 (61.1) | 16 (20.8) | 95.341 | 4 | <.001* |
| Harsh | 39 (19.2) | 16 (20.8) | |||
| Sympathetic | 11 (5.4) | 0 (0.0) | |||
| Patient/understanding | 21 (10.3) | 6 (7.8) | |||
| No response | 8 (3.9) | 39 (50.0) | |||
*
Statistically significant P ≤ .05.