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Table 3 Reasons for delays and/or not seeking care by membership status, conditioned on reporting illness (%)

From: Health care seeking behaviour and utilisation in a multiple health insurance system: does insurance affiliation matter?

Variable

NHIF

CHF

Non-members

Reasons for delays***

N = 77

N = 120

N = 90

No money

9.1

9.2

40.0

Distance

6.5

1.7

1.1

Self treatment (home)

18.2

16.7

12.2

“Wait and see”

49.4

49.2

33.3

Facility closed

10.4

11.7

10.0

Other

11.7

11.7

3.3

Reasons for not seeking care***

N = 51

N = 68

N = 97

Poor quality of services

11.8

1.5

0.0

No money

5.9

10.3

50.5

No insurance card

1.9

0.0

5.2

Distance

0.0

1.5

0.0

Illness not serious

23.5

30.9

11.3

No one to leave at home/farm

3.9

10.3

1.0

Had my own medicine/home remedies

43.1

38.2

26.8

Other

7.4

9.8

5.2

  1. ***ρ<0.01; based on Chi square test.