Impact Evaluation of Access to Free Low-Cost Health Insurance in Nigeria's Taraba State

Zero if not no health insurance, 1 if has health insurance.

Zero if respondent has no health insurance card, 1 if they have a health insurance card.

Zero if respondent has not successfully used health insurance for consultations, diagnoses, medications, or tests. 1 if the respondent has successfully used health insurance for consultations, diagnoses, medications, or tests.

Zero if respondent did not seek care for most recent illness. 1 if respondent did seek care for most recent illness

Reported number of health facility visits outside the home in the last 3 months.

Zero if last care event was in a private facility, 1 if last care seeking event was in a public facility

Zero if "getting money needed for advice or treatment" is not listed as a barrier. 1 if "getting money needed for advice or treatment" listed as a barrier.

Zero if most recent birth was not in a government or private health facility. 1if most recent birth was in a government or private health facility. Limited to births in last 3 months.

Zero if children aged under 12 months has not received any vaccinations. 1 if child has received at least one vaccination.

Total cost of most recent healthcare visit, winsorized at the 1% and 99% levels.

1 if most recent healthcare visit expenditure represents represents greater than 10% of household consumption

Total amount of money owed for medical expenses, winsorized at the 1% and 99% levels.

Score equal to or greater than 10 on Center for Epidemiologic Studies Depression Scale.

Response to the following question: Think about your health over the last 3 months, including any long-term illnesses, hospital or clinic visits, or other ailments, how would you rate your health on a scale of 1-10 where 1 is very low health and 10 is very healthy with no ailments?

Reported number of productive days lost to severe illness in the past 3 months

Zero if respondent has never tried to use health insurance, 1 if respondent has tried to use health insurance

Number of antenatal care visits for any births in last 3 months

1 if most recent health facility care event visit was to a secondary/tertiary care facility (hospital). 0 if visit was to a primary care facility or informal care facility.

1 if received any lab tests as part of antenatal care in most recent pregnancy from births in last year. 0 otherwise.

1 if child born in last 12 months and age-eligible for OPV vaccine has received it. 0 if child born in last 12 months and age-eligible for OPV vaccine but has not received it.

1 if child born in last 12 months and age-eligible for BCG vaccine has received it. 0 if child born in last 12 months and age-eligible for BCG vaccine but has not received it.

1 if child born in last 12 months and age-eligible for measles vaccine has received it. 0 if child born in last 12 months and age-eligible for measles vaccine but has not received it.

1 if respondent reports working, either paid or unpaid, in the last 7 days. This includes: work as an employee for a wage, salary, commission or any payment in kind; running a non-farm business; help in any kind of nonfarm business; work on your own farm or household agricultural activities; and unpaid apprentice work.

0 if no work in the last 7 days.

Total number of hours reported towards economic activities in the last 30 days. Calculated as days worked in a given activity times hours spent in a given activity, summed over activities.

Reported income from all economic activities over the last 30 days, winsorized at the 1% and 99% levels.

Total value of current savings, winsorized at the 1% and 99% levels.

Value of all outstanding borrowing owed for food, medical expenses, loans, social occasions, school fees, businesses, and other. Winsorized at the 1% and 99% levels.

1 if the respondent feels she has input into most or all household decisions, 0 if she has input into none, few, or some decisions.

1 if respondent can make their own personal decisions regarding savings (at least to a small extent). 0 if respondent can not make their own personal decisions regarding savings

Number of questions correct about what health insurance does/does not cover:

Health insurance covers the registration fee at a health facility. Health insurance covers the consultation fee you pay to see a doctor or nurse. Health insurance covers the cost of laboratory tests. Health insurance covers the cost of medicines or drugs. Health insurance covers the cost of treatment.

1 if respondent has trusts state government (a great deal of trust or trust somewhat), 0 if no trust at all or trust just a little.

1 if respondent has trusts local government authority (a great deal of trust or trust somewhat), 0 if no trust at all or trust just a little.