Table 5.

Parameter estimates from regression equations on OOP costs.

Independent variable	Outpatient OOP				Inpatient OOP
	Estimate	S.E.	Exp (β)	P	Estimate	S.E.	Exp (β)	P
Self-medication	0.107	0.031	1.113	< 0.001	−0.113	0.032	0.893	< 0.001
Medical insurance scheme (Ref: None)
NCMS	−0.065	0.069	0.937	0.343	−0.181	0.082	0.834	0.026
UEBMI	−0.077	0.085	0.926	0.369	−0.236	0.093	0.790	0.011
URBMI	0.179	0.102	1.196	0.078	−0.081	0.108	0.922	0.454
URRBMI	−0.153	0.102	0.858	0.134	−0.139	0.108	0.870	0.197
Multiple/other	−0.142	0.084	0.868	0.092	−0.259	0.094	0.772	0.006