Table 4. Factors Associated With Dropout From Social Health Insurance in Bivariate and Multivariate Analyses .

Explanatory Variables	uOR (95% CI)	aOR (95% CI)
Household size
>5 members	1.73 (1.08-2.78)	2.19 (1.22-3.94)a
≤5 members	Reference	Reference
Gender of household head
Female	1.93 (1.20-3.11)	1.49 (0.79-2.80)
Male	Reference	Reference
Ethnicity
Underprivileged ethnic group	1.74 (0.94-3.22)	2.36 (1.08-5.17)a
Privileged ethnic group	Reference	Reference
Home ownership
Rented	3.12 (1.61-6.06)	4.53 (1.87-10.95)b
Self-owned	Reference	Reference
Presence of family member with chronic illness
No	1.93 (1.20-3.12)	1.95 (1.07-3.59)a
Yes	Reference	Reference
Perceived health status of the family
Good	3.02 (1.15-7.95)	4.21 (1.21-14.65)a
Poor	Reference	Reference
Health facility as a first contact point
Private	2.17 (1.35-3.50)	3.75 (1.93-7.27)b
Public	Reference	Reference
Waiting time
>60 min	0.24 (0.08-0.66)	0.34 (0.10-1.22)
30-60 min	0.48 (0.17-1.37)	0.87 (0.24-3.24)
<30 min	Reference	Reference
Availability of services under SHI
Not available frequently	2.16 (1.24-3.77)	1.60 (0.78-3.28)
Frequently available	Reference	Reference
Availability of drugs under SHI
Not available frequently	6.94 (2.10-22.99)	4.75 (1.19-18.95)a
Frequently available	Reference	Reference
Perceived behaviour of service providers
Unfriendly	7.29 (3.31-16.02)	3.09 (1.01-9.49)a
Acceptable (average)	5.80 (2.49-13.50)	2.03 (0.77-5.36)
Friendly	Reference	Reference
Perceived quality of services
Not satisfactory	2.61 (1.35-5.04)	1.75 (0.76-4.06)
Satisfactory	Reference	Reference
Satisfaction with opening hours of health facility
Not satisfactory	2.62 (1.32-5.18)	1.26 (0.49-3.25)
Satisfactory	Reference	Reference
Affordability of premium
Difficult to afford	1.92 (1.15-3.22)	1.37 (0.74-2.53)
Affordable	Reference	Reference

Abbreviations: uOR, unadjusted odds ratio; aOR, adjusted odds ratio; CI, confidence interval; SHI, social health insurance.

^a P < .05, ^bP < .001; aOR is adjusted for all variables in the table.