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Table 2 PFHIS Coverage by background characteristics in Kerala

From: Assessing inequalities in publicly funded health insurance scheme coverage and out-of-pocket expenditure for hospitalization: findings from a household survey in Kerala

Background characteristics

N

PFHIS (%)

No insurance (%)

AOR [95% CI]

Gender

 Malea

5,603

49.1

50.9

1.00

 Female

6,229

51.3

48.7

1.17*** [1.08, 1.26]

Marital Status

 Never married

2,522

49.6

50.4

0.82*** [0.73, 0.88]

 Currently Marrieda

6,521

56.8

43.2

1.00

 Currently not married

2,789

35.5

64.5

0.44*** [0.40, 0.48]

Wealth Quintile

 Poorest

2,290

57.5

42.5

2.21*** [1.94, 2.51]

 Poorer

2,503

54.1

45.9

2.09*** [1.85, 2.37]

 Middle

2,521

54.2

45.8

2.06*** [1.82, 2.34]

 Richer

2,479

47.3

52.7

1.67*** [1.48, 1.89]

 Richesta

2,039

37.0

63.0

1.00

Social Group

 Scheduled Caste (SC)

911

60.7

39.3

1.29*** [1.10, 1.51]

 Scheduled Tribe (ST)

232

45.7

54.3

0.63** [0.48, 0.83]

 Other Backward Class (OBC)

7,734

48.8

51.2

0.87** [0.80, 96]

 Othersa

2,955

51.0

49.0

1.00

Religion

 Hindua

8,232

53.7

46.3

1.00

 Muslim

2,113

44.9

55.1

0.76** [0.69, 0.84]

 Christian and others

1,487

43.1

56.9

0.65*** [0.58, 0.73]

Hospitalised in the past year

 No

10,863

50.2

49.8

1

 Yes

969

49.8

50.2

1.22*** [1.07, 1.40]

Total

11,832

50.2

49.8

 
  1. Excluded non-PFHIS(n = 1222)
  2. AOR Adjusted Odds Ratio, 95%CI 95% Confidence Interval
  3. *p < 0.05
  4. **p < 0.01
  5. ***p < 0.001
  6. aReference category