Table 4 Effect of insurance on household out-of-pocket expenditure (OOPE)

Insurance

−0.749***

−1.984**

(0.063)

(0.647)

Log income

0.279***

0.355***

(0.045)

(0.060)

Age

0.001

0.012*

(0.002)

(0.006)

Male

−0.011

−0.124

(0.067)

(0.089)

Household size

−0.047***

−0.044**

(0.012)

(0.013)

Rural locality

−0.238***

−0.204**

(0.068)

(0.070)

Year 2009

0.323***

0.459***

(0.069)

(0.104)

Good health status

−0.487***

−0.574***

(0.097)

(0.121)

Use of out-patient services

0.317***

0.470***

(0.061)

(0.106)

Use of in-patient services

0.964***

1.009***

(0.141)

(0.148)

Occupation: Farmer

−0.049

−0.164

(0.095)

(0.118)

 Government/Self-employed

−0.024

−0.066

(0.096)

(0.109)

 Unemployed

−0.049

−0.099

(0.163)

(0.182)

Education level: Primary

−0.129

−0.155

(0.085)

(0.088)

 Secondary

−0.039

0.100

(0.079)

(0.108)

 Tertiary

0.030

0.418

(0.124)

(0.248)

Constant

1.270***

1.050**

(0.289)

(0.333)

Observations

2,318

2,301

R-squared

0.153

Number of households

1,844

1,833