| | Variables/characteristics | Categories | CBHI utilization | COR (95% CI) | AOR (95% CI) | | No (0) | Yes (1) |
| | Sex | Male | 156 (31.6%) | 337 (68.4%) | 1.629 (1.063, 2.497) | 1.629 (1.063, 2.497) | | Female | 46 (43%) | 61 (57%) | Ref | |
| | Household family size | ≤5 | 182 (35.6%) | 329 (64.4%) | 2.968 (1.987, 4.139) | 2.968 (1.987, 4.139) | | ˃5 | 20 (22.5%) | 69 (77.5%) | | |
| | Occupational status of respondents | Farmer | 191 (32.8%) | 393 (67.2%) | 3.763 (1.371, 10.327) | 3.763 (1.371, 10.327) | | Merchant | 11 (64.7%) | 6 (35.3%) | | |
| | Annual income of respondents | <30,000 | 23 (19.3%) | 96 (80.7%) | 0.474 (1.514, 4.043) | 2.474 (1.514, 4.043) | | ≥30,000 | 179 (37.2%) | 302 (62.8%) | Ref | |
| | Awareness about CBHI | No | 51 (91.1%) | 5 (8.9%) | Ref | | | Yes | 151 (27.8%) | 393 (72.2%) | 0.38 (0.015, 0.096) | 0.38 (0.015, 0.096) |
| | Frequency of visit to health facility during illness to use health service in previous six months | Once | 78 (25.2%) | 231 (74.8%) | 5.183 (2.095, 12.821) | 5.183 (2.095, 12.821) | | Twice | 43 (24.3%) | 134 (75.7%) | 5.453 (2.143, 13.879) | 5.453 (2.143, 13.879) | | Three times | 14 (63.6%) | 8 (36.4%) | Ref | |
| | Distance from health facility | ≤2 | 35 (31.8%) | 75 (68.2%) | Ref | | | 2–5 km | 60 (26.4%) | 167 (73.6%) | 1.909 (1.300, 2.803) | 1.909 (1.300, 2.803) | | ≥5 | 107 (40.7%) | 156 (59.3%) | Ref | |
| | Waiting time to utilize health service | Less than one Hour | 45 (19.4%) | 187 (80.6%) | 2.011 (1.33, 3.034) | 2.011 (1.33, 3.034) | | 1 to 2 hours | 90 (32.6%) | 186 (67.4%) | Ref | |
| | Satisfaction with the attitude of health professionals | No | 105 (45.7%) | 125 (54.3%) | Ref | | | Yes | 30 (11.4%) | 233 (88.6%) | 0.153 (0.97, 0.243) | 0.153 (0.097, 0.243) |
| | Satisfaction with healthcare service you received during a visit to HF | No | 110 (57.9%) | 80 (42.1%) | Ref | | | Yes | 25 (8.3%) | 278 (91.7%) | 0.065 (0.040, 0.108) | 0.065 (0.040, 0.108) |
| | Affordability of premium (regular contribution) | Yes, suitable | 35 (21.6%) | 127 (78.4%) | 2.862 (1.862, 4.339) | 2.862 (1.862, 4.399) | | Somewhat suitable | 14 (15.4%) | 77 (84.6%) | 4.33 (2.362, 7.964) | 4.338 (2.362, 7.964) | | Not suitable | 153 (44.1%) | 194 (55.9%) | Ref | |
| | Trust in the scheme management | Yes | 105 (37.1%) | 178 (62.9%) | 0.432 (0.285, 0.654) | 0.432 (0.285, 0.654) | | Somewhat | 55 (50%) | 55 (50%) | 0.255 (0.154, 0.422) | 0.255 (0.154, 0.422) | | No | 42 (20.3%) | 165 (79.7%) | Ref | |
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