Table 4.

Multivariate Analysis of factors associated with the utilization of health insurance services

Variables	Category	Utilization of health insurance (n = 173) N (%)	OR (95% CI)	P value	AOR     (95% CI)	P value
Literacy	Illiterate	30 (17.3%)	Ref	0.225	Ref	0.25
	Literate	143(82.7%)	0.63 (0.24–1.64)		1.75 (0.48–6.3)
Types of family	Joint/Extended	58 (33.5%)	Ref	0.175	Ref	0.141
	Nuclear	115(66.5%)	0.75 (0.44–1.25)		1.64 (0.74–3.63)
Number of Elderly			2.86 (2.39–3.43) *	0.0003	2.7 (1.09–7.07) *	0.040
Expenditure in Health			1.02 (0.98–1.06)	0.1106	1.00 (0.96–1.05)	0.658
Presence of Chronic Illness	No	57 (32.9%)	Ref	0.002	Ref	0.025
	Yes	116(67.1%)	8.3 (4.32–16.09) *		5.10 (1.48–17.56) *
Knowledge about health insurance	No	136 (78.6%)	Ref	0.182	Ref	0.200
	Yes	37 (21.4%)	2.44 (0.47–12.7)		2.02 (0.51–8.02)
Last annual contribution amount Paid			1.00 (1.00–1.00)	0.0430	1.00 (0.99-1.00)	0.112
Willingness to continue	No	12(6.9%)	Ref	0.101	Ref	0.008
	Yes	161(93.1%)	2.13 (0.76–5.99)		2.18 (1.47–3.25) *
Membership duration			1.15 (1.05–1.24)	0.0128	1.14(1.05–1.24) *	0.013

* statistically significant at p < 0.05