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Table 4 Factors associated with utilization of inpatient health services

From: The association between health insurance status and utilization of health services in rural Northern Ghana: evidence from the introduction of the National Health Insurance Scheme

Variable

 

Inpatient health services

Categories

% Utilized

Unadjusted OR (95% CI)

Adjusted OR (95% CI)

Health insurance

Insured

1.4

3.49 (2.8–4.4)

2.78 (2.2–3.6)b

Uninsured

0.4

1

1

Age

0–4

1.7

1.98 (1.5–2.6)

1.27 (0.9–1.9)

5–17

0.5

0.57 (0.4–0.7)

0.66 (0.5–0.9)

18–34

0.9

1

1

35–59

1.4

1.63 (1.3–2.0)

1.53 (1.2–1.9)b

60–69

1.4

1.65 (1.2–2.3)

1.41 (0.9–2.1)

70+ (aged)

1.6

1.88 (1.3–2.7)

1.65 (1.1–2.5)b

Gender

Male

0.9

1

1

Female

1.2

1.3 (1.1–1.6)

1.10 (0.9–1.3)

Educational level

No education

1.1

0.61 (0.4–0.9)

1.03 (0.7–1.6)

Primary

0.5

0.29 (0.2–0.4)

0.84 (0.5–1.3)

Secondary

1.2

0.66 (0.4–0.9)

1.25 (0.8–1.9)

Tertiary

1.9

1

1

Below school going agea

1.4

0.73 (0.5–1.1)

1.47 (0.9–2.5)

Religion

Traditional & other

0.7

0.49 (0.4–0.7)

NS

Christianity

1.3

0.87 (0.6–1.2)

NS

Islam

1.4

1

NS

Ethnicity

Kasem

1.2

1

1

Nankam

0.8

0.66 (0.6–0.8)

0.95 (0.8–1.2)

Buli

1.6

1.41 (0.9–2.2)

1.71 (1.1–2.7)b

Other

2.4

2.12 (1.4–3.1)

1.17 (0.8–1.8)

Location

Rural

0.9

1

1

Urban

2.2

2.62 (2.2–3.1)

1.32 (1.0–1.7)

Household size

1 member

2.4

2.7 (1.9–3.9)

1.55 (1.0–1.5)

2–4 members

1.4

1.62 (1.4–1.9)

1.27 (1.0–1.5)

5+ members

0.9

1

1

Socio-economic status

Poorest

0.7

1

1

Poorer

0.8

1.14 (0.9–1.5)

1.10 (0.8–1.5)

Poor

0.8

1.12 (0.8–1.5)

1.10 (0.8–1.5)

Less poor

1.2

1.73 (1.3–2.3)

1.48 (1.1–1.9)b

Least poor

2.3

3.40 (2.6–4.4)

2.10 (1.5–2.9)b

Recent illness or injury

Yes

0.8

8.23 (6.9–9.9)

5.72 (4.6–7.1)b

No

6.0

1

1

Self-assessed health status

Poor or very poor

4.9

5.43 (4.2–6.9)

2.52 (1.9–3.4)b

Good or very good

0.9

1

1

Don’t know

0.7

0.77 (0.32–1.9)

0.81 (0.3–2.0)

Chronic medication

Yes

8.8

10.27 (7.9–13.4)

3.48 (2.5–4.8)b

No

0.9

1

1

Don’t Know

1.7

1.79 (0.4–7.2)

1.19 (0.3–5.0)

  1. The reference group for the calculation of the odds ratio (OR) is indicated by one
  2. NS not significant in both bivariate and multivariate analyses
  3. aRepresenting infants who have not yet attained school going age in order to be in school
  4. bSignificant in multivariate analyses