Table 2.

Definition of dependent and explanatory variables.

Variables	Definition	Measurement
X i	Explanatory variables
Pscore i	Estimated propensity score
T	Treatment (CBHI)	1 = insured in CBHI, 0 = uninsured
age	Household head age	Year
gen	Sex of household head	0 = Female, 1 = Male
hhsize	Household size	Headcount
edu	Educational level of households	0 = not able to read and write, 1 = able to read and write, 2 = primary school (1–8), 3 = secondary school and above
dsthlt	Distance to nearest health services	Kilometer
Credit	Access to credit	0 = no access of credit, 1 = access of credit
mrtst	Marital status	0 = single, 1 = married, 2 = divorced, and 3 = windowed
chrodis	Chronic disease in the household	0 = absent, 1 = present
insuprm	Insurance premium	0 = unaffordable, 1 = somewhat affordable, 2 = easily affordable
awarns	Awareness about CBHI	0 = good, 1 = bad
timesrv	Health service waiting time	Hour
child 18	Present of children <18 age	Headcount
adult 64	Present of adult more than 64 age	Headcount
HHwelfare	Household welfare	Health service utilization (outpatient and inpatient visit)
		ln per-capita expenditure of health
		ln per-capita consumption of non-food and beverage item
		ln per-capita consumption of food exclude beverage item