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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.