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Table 4 Odds for perception of NHIS service provision to be ‘same’ or ‘better’ among men and women in Ghana, 2008

From: Ghana’s National Health Insurance Scheme: a national level investigation of members’ perceptions of service provision

Independent variables

Men

Women

Wealth quintile

Model 1

Model 2

Model 3

Model 1

Model 2

Model 3

Poorest (ref)

1.00

1.00

1.00

1.00

1.00

1.00

Poorer

.945 (.222)

.921 (.236)

.940 (.244)

1.05 (.190)

1.07 (.201)

1.10 (.215)

Middle

.674 (.169)

.635 (.179)

.681 (.200)

.841 (.139)

.872 (.150)

.942 (.177)

Richer

.538 (.126)***

.522 (.142)***

.578 (.184)*

.832 (.145)

.835 (.153)

.922 (.190)

Richest

.429 (.097)***

.434 (.113)***

.489 (.152)**

.871 (.156)

.904 (.142)

1.01 (.233)

Education

No Education

1.00

1.00

1.00

1.00

1.00

1.00

Primary Education

1.17 (.275)

1.21 (.287)

1.23 (.309)

.895 (.139)

.880 (.142)

.869 (.144)

Secondary/Higher

      

education

1.13 (.216)

1.26 (.242)

1.25 (.250)

.778 (.107)*

.761 (.107)**

.759 (.114)*

Marital Status

Never married

 

1.00

1.00

 

1.00

1.00

Currently married

 

-

.841 (.156)

 

-

1.18 (.161)

Formerly married

 

-

.562 (.184)*

 

-

.972 (.203)

Age

 

-

1.01 (.006)

 

-

.992 (.006)

Religious affiliation

Christians

 

1.00

1.00

 

1.00

1.00

Muslims

 

1.49 (.321)*

1.53 (.321)**

 

1.01 (.171)

1.01 (.172)

Traditionalists

 

.687 (.215)

.664 (.210)

 

1.42 (.460)

1.41 (.463)

No religion

 

.834 (.269)

.860 (.280)

 

.872 (.275)

.869 (.272)

Ethnicity

Akans

 

1.00

1.00

 

1.00

1.00

Ga Dangbe

 

1.26 (.374)

1.24 (.363)

 

.555 (.119)***

.550 (.117)***

Ewe

 

1.01 (.218)

.987 (.212)

 

.647 (.118)**

.638 (.117)***

Northern

 

1.23 (.222)

1.16 (.286)

 

.927 (.150)

.791 (.160)

Other

 

.801 (.343)

.778 (.320)

 

.484 (.138)***

.464 (.135)***

Rural–urban residence

Urban

 

1.00

1.00

 

1.00

1.00

Rural

 

-

1.14 (.202)

 

-

1.09 (.176)

Region of residence

Southern Ghana

 

-

1.00

 

-

1.00

Northern Ghana

 

-

1.09 (.320)

 

-

1.22 (.280)

Log Pseudo-likelihood

−1323.8245

−1313.0039

−1310.7385

−1927.9633

−1914.0935

−1911.1388

Model significance (Wald

Chi-sq)

23.31 (5)***

33.51 (13)***

41.11(18)***

9.54 (6)

30.19 (13)***

36.82 (18)***

Pseudo R2

.014

.021

.023

.001

.01

.01

Threshold 1

−2.52

−2.34

−2.05

−2.49

−2.62

−2.66

Threshold 2

-.567

-.373

-.074

-.158

-.267

-.298

  1. Note: ***p < .01;**p < .05;*p < .1.
  2. Odds ratios are adjusted for clustering and robust standard errors are presented in brackets. Northern, Upper East and Upper West regions are classified as ‘Northern Ghana’, while Greater Accra, Central, Western, Brong Ahafo, Volta, Eastern and Ashanti regions are grouped as ‘Southern Ghana’.