TABLE 3.
Factors correlated with take‐up of services, number of claims and value of claim per policyholder
| (I) | (II) | (III) | |
|---|---|---|---|
| Policyholder had a claim | Number of claims per policyholder | Total value of claims (log) per policyholder | |
| Logit odds ratio | Tobit‐Coefficient | Tobit‐Coefficient | |
| Status (ref. Principal) | |||
| Dependent | 1.000 (0.997) | 0.412 (0.000) | 0.053 (0.003) |
| Gender (ref. Male) | |||
| Female | 1.337 (0.000) | 7.691 (0.000) | 1.724 (0.000) |
| Age (ref. 20–29 years) | |||
| <5 | 0.822 (0.000) | −1.564 (0.000) | −0.968 (0.000) |
| 5–9 | 1.140 (0.000) | 1.464 (0.000) | 0.538 (0.000) |
| 10–19 | 0.969 (0.000) | −3.501 (0.000) | −0.388 (0.000) |
| 20–29 ref. group | |||
| 30–39 | 1.256 (0.000) | 5.122 (0.000) | 1.318 (0.000) |
| 40–49 | 1.239 (0.000) | 6.230 (0.000) | 1.357 (0.000) |
| 50–59 | 1.107(0.000) | 6.386(0.000) | 0.854 (0.000) |
| 60–69 | 0.896 (0.000) | 4.618 (0.000) | −0.142 (0.000) |
| 70+ | 0.928 (0.000) | 7.119 (0.000) | 0.201 (0.000) |
| Monthly salary (ref. 500,001–900,000 TZS) | |||
| <150,000 | 0.570 (0.000) | −9.605 (0.000) | −2.999 (0.000) |
| 150,001–300,000 | 1.202 (0.000) | 4.078 (0.000) | 0.988 (0.000) |
| 300,001–500,000 | 0.893 (0.000) | −1.964 (0.000) | −0.579 (0.000) |
| 500,001–900,000 ref. group | |||
| 900,001–1,200,000 | 0.920 (0.000) | −1.127 (0.000) | −0.421 (0.000) |
| 1,200,001–1,500,000 | 0.903 (0.000) | −1.096(0.000) | −0.281 (0.000) |
| >1,500,000 | 0.247 (0.000) | −25.041 (0.000) | −7.965 (0.000) |
| Constant | 0.979 (0.000) | −6.747 (0.000) | 1.301 (0.000) |
| Observations | 2,342,255 | 2,342,255 | 2,342,255 |
| Pseudo R‐squared | 0.054 | 0.013 | 0.019 |
Note: Unit is per policyholder (n = 2,342,256). P‐values in parenthesis. Average age (20–29) and average salary (500,001–900,000 TZS) category were used as reference categories.
Abbreviation: TZS, Tanzanian shilling.