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Table 6 Result of the Tobit model

From: Extension of mandatory health insurance to informal sector workers in Togo

  (1) (2) (3) (4) (5)
Variables All Male Female Urban Rural
Willingness to pay for MHI (WTP)
Age −14.1 −48.7 21.3 175.6** −88.8
  (53.5) (112.2) (47.8) (88.8) (71.4)
Age2 −0.1 0.2 −0.3 −2.7** 0.9
  (0.6) (1.3) (0.5) (1.1) (0.8)
Rural area − 227.2 − 205.0 −46.6   
  (282.2) (528.2) (273.2)   
Education Primary 55.7 136.6 121.7 430.9 − 444.6
  (298.6) (610.2) (271.2) (402.5) (445.5)
Secondary 423.1 821.0 77.1 596.1 344.6
  (308.4) (596.7) (291.4) (393.9) (505.2)
University 1,9*** 2,4** 531.8 2,4*** −5,1
  (709.0) (1,1) (1,0) (751.6) (3,6)
Income 0.02*** 0.03*** 0.01*** 0.02*** 0.01**
  (0.0) (0.0) (0.0) (0.0) (0.0)
Income 2 −1.8e-08*** −4.0e-08*** −1.3e-08*** −2.2e-08*** − 1.5e-08*
  (3.2e-09) (9.5e-09) (2.7e-09) (3.6e-09) (8.1e-09)
Distance to health center: 100 m to less than 1 km 47.5 − 679.9 584.2* 233.9 − 649.1
  (332.7) (636.4) (314.7) (390.6) (693.7)
1 km to 3 km −215.5 − 820.2 293.7 −43.4 − 278.7
  (323.3) (604.8) (310.0) (430.1) (492.1)
3 km to 5 km − 632.9 − 1280 32.65 − 1071 − 513.7
  (611.6) (1042) (650.0) (951.4) (804.8)
More than 5 km 77.5 − 335.8 299.6 −826.1 −195.3
  (642.5) (1207) (608.8) (4292) (712.8)
Household size 261.5*** 471.1** 154.9* 183.3 419.8***
  (97.9) (193.7) (91.6) (124.6) (157.5)
Number of old persons −47.8 −323.9 −61.7 4018*** − 1261*
  (643.4) (1429) (551.2) (1350) (725.4)
Number of children − 264.1 − 586.8 −82.9 −71.8 − 570.7*
  (231.5) (462.8) (211.9) (324.0) (327.8)
Marital status: Married − 155.3 − 151.7 −264.8 − 249.5 − 21.9
  (331.9) (621.8) (322.6) (383.6) (664.2)
Divorced or separated 13.8 1844 − 681.0 519.5 − 666.8
  (602.2) (1497) (509.2) (771.6) (993.2)
Widow/widower −68.1 1267 −643.6 257.4 −446.9
  (514.1) (1447) (440.1) (666.7) (873.8)
Gender: female −805.2***    − 1022*** − 458.3
  (245.1)    (308.9) (401.2)
Constant 1953* 2018 477.5 − 1699 3349**
  (1128) (2213) (1046) (1711) (1586)
Sigma      
  4281*** 5414*** 2979*** 4240*** 4214***
  (79.0) (149.1) (74.1) (99.9) (125.1)
Observations 1605 723 882 976 629
  1. () Standard errors; *** p < 0.01, ** p < 0.05, * p < 0.1