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Table 4 Results of logistic regression analysis of factors influence decision to renew NHIS

From: Health insurance in Ghana: evaluation of policy holders’ perceptions and factors influencing policy renewal in the Volta region

Covariates

Model 1

Model 2

Model 3

 

OR (95% CI)

OR (95% CI)

OR (95% CI)

Socio-demographic characteristics

   

Gender (ref =Male)

2.5 (1.7, 3.8)**

2.3 (1.4, 5.2)*

1.9 (0.9, 6.4)

Marital status (ref = single)

3.1 (1.1, 9.0)*

2.6 (0.6, 5.3)

2.0 (0.3, 9.3)

Religion (ref = Christianity)

0.9 (0.1, 3.1)

0.8 (0.1, 2.5)

0.8 (0.2, 3.3)

Perceived health status

   

 - Very good/good (ref)

1

1

1

 - Fair

0.9 (0.1, 9.2)

0.8 (0.2, 10.1)

0.6 (0.2, 9.9)

 - Poor/Very poor

1.7 (1.3, 4.7)*

1.7 (1.2, 5.1)*

1.9 (1.1, 7.3)**

Perception about NHIS

   

 - Joining scheme will benefit me (ref = agree)

 

0.3 (0.0, 3.7)*

0.4 (0.1, 4.1)

 - Will save money from paying hospital bills (ref = agree)

 

0.7 (0.1, 3.5)

0.6 (0.1, 4.3)

 - Collection of NHIS cards is convenient (ref = agree)

 

0.3 (0.0, 8.1)

0.3 (0.1, 8.5)*

 - Premium for the package is too high (ref = agree)

 

2.5 (1.3, 10.4)**

2.3 (1.2, 9.5)*

 - Registration fee is too high (ref = agree)

 

1.9 (0.5, 5.9)

1.6 (0.1, 7.8)

Quality of care under NHIS

   

 - Quality of drugs is good (ref = agree)

  

1.1 (0.2, 3.9)

 - Staff attitude has improved under NHIS (ref = agree)

  

0.7 (0.1, 6.2)

Number of obs

275

274

270

LR chi2(4,9,11)

143.46

156.26

164.89

Prob > chi2

0.0000

0.0000

0.0000

Log likelihood

−344.01797

−364.1596

−371.02163

Pseudo R2

0.48025

0.523820

0.648281

  1. Single = single, widowed, divorced. Outcome = renew NHIS insurance. *p<0.05; **p<0.1.