Table 3.
Baseline characteristics of a sampled household before intervention.
| Variables | Households' status CBHI | Total (n = 531) | t-test/ x2 | |
|---|---|---|---|---|
| Uninsured n = 356 (67%) | Insured n = 175 (33%) | |||
| Sex of household head (Male)a | 310 (87.0%) | 165 (94.0%) | 488 (92.0%) | 5.74 |
| Educational level of household head (able to read and write)a | 142 (39.8%) | 76 (44.0%) | 218 (41.0%) | 19.94*** |
| Educational level of household head [primary school (1–8)]a | 112 (31.0%) | 56 (32.0%) | 168 (31.6) | |
| The educational level of household head (secondary school and above)a | 30 (8.5%) | 16 (9.1%) | 46 (8.6%) | |
| Credit (Access of credit)a | 110 (31.0%) | 58 (33.1%) | 168 (31.6%) | 12.36** |
| Marital Status (Married)a | 288 (81.0%) | 151 (86.0%) | 439 (82.6%) | 1.63*** |
| Marital Status (Divorced)a | 31 (8.7%) | 14 (8.0%) | 45 (8.40%) | |
| Marital Status (Windowed)a | 28 (7.8%) | 7 (4.0%) | 35 (6.6%) | |
| Chronic disease in the household (Present)a | 117 (33.0%) | 65 (37.0%) | 183 (34.2%) | 2.52 |
| Insurance premium (Somewhat affordable)a | 85 (23.9%) | 57 (32.5%) | 142 (26.7%) | 9.56** |
| Insurance premium (easily affordable)a | 202 (57.0%) | 102 (58.2%) | 304 (57.2%) | |
| Awareness about CBHIa | 281 (79.0%) | 144 (82.2%) | 425 (80%) | 1.56 |
| The presence of child <18 yearsa | 210 (59.0%) | 108 (61.7%) | 318 (59.8%) | 7.01** |
| The presence of young higher than 64 yearsa | 35 (10.0%) | 23 (13.0%) | 58 (10.9%) | 3.24 |
| Age of household headb | 42 (0.86) | 44 (0.64) | 42.9 (0.74) | 4.88*** |
| Household sizeb | 6.2 (0.21) | 7 (0.12) | 6.5 (0.18) | 1.77 |
| Distance to nearest health serviceb | 12 (0.19) | 10 (0.29) | 11 (0.23) | 6.55*** |
| Health service waiting timeb | 2.3 (0.74) | 1.2 (0.10) | 1.6 (0.14) | 3.66*** |
| Household food expenditureb | 6,363 (62.07) | 7,872 (67.25) | 6,860 (236) | 5.69** |
| Household non-food expenditureb | 4,039 (47.65) | 6,008 (56.32) | 4,688 (352) | 9.63*** |
| Household health expenditureb | 3,012 (30.29) | 2,628 (40.28) | 2,885 (587) | 8.52*** |
“a” expressed in number (frequency) and “b” expressed mean (SD).
*** and ** denote 1 and 5 levels of significance.
Source: Own computation, 2022.