Household preferences and willingness to pay for health insurance in Kampala City: a discrete choice experiment

Table 4 Household preferences for health insurance attributes

Attribute	Non-slum community		Slum community
Attribute	Mean (Standard error)	SD (Standard error)	Mean (Standard error)	SD (Standard error)
Premium (continuous*10,000 UGX /year)	− 0.21 (0.08)**		− 0.88 (0.18)***
Enrollment^a
Extended family	0.44 (0.20)**	1.39 (0.26)***	0.36 (0.14)**	0.09 (0.60)
Restricted enrollment of children to 3 (Ref: unrestricted enrollment of children)	− 0.90 (0.16)***	0.70 (0.24)*	− 0.32 (0.17)*	1.00 (0.47)
Service benefits package^b
Simple	− 0.97 (0.22)***	1.62 (0.25)***	0.10 (0.29)	0.63 (0.30)
Comprehensive (Ref: moderate)	− 0.02 (0.14)	0.50 (0.29)	− 0.14 (0.18)	1.30 (0.23)***
Providers^c
Private only	− 0.08 (0.14)	0.46 (0.29)	− 0.06 (0.16)	0.92 (0.21)***
Private and public (Ref: Public)	0.81 (0.18)***	0.95 (0.24)**	0.87 (0.17)***	0.96 (0.22)***
Constant	0.02 (0.11)		0.09 (0.10)
Model diagnostics
Number of respondents	120		120
Number of observations	1920		1920
Loglikelihood	− 553.00		− 581.61
Loglikelihood X^2	88.57		70.94

The non-significant constant suggests that there is no left–right bias in the data. This means that respondents were not likely to choose the left than the right alternative
*p < 0.05, **p < 0.01, ***p < 0.001
^aRestricted enrollment of children includes parents and only three children; unrestricted enrollment of children includes parents with no restrictions on the number of children and; the extended family includes children, their parents, and grandparents
^bSimple service benefits package includes primary health care diseases, minor surgeries, ANC, and family planning; moderate service benefits package includes chronic illnesses (asthma, hypertension, and diabetes) and major surgeries including caesarian sections; comprehensive service benefits package includes cancers, advanced kidney disease, heart surgeries, neurosurgeries, ICU, and special care units
^cPublic providers include health facilities that are owned by the government; private providers include health facilities that are owned by private individuals and faith-based organizations

ISSN: 1478-7547