“…There are several other studies which corroborated these factors (characteristics of the disorder and perception, characteristics of predisposing factors, characteristics of services or enabling factors) with evidence: - Characteristics of the disorder and their perception (need, risk factors or complications) affect utilization (Ellencweig, Ritter, Olavsky, & Tamir, 1990; McCormick, Brooks-Gunn, Shorter, Holmes, & Heagarty, 1989).
- Characteristics of the subject or predisposing factors are as follows: (a) family characteristics: age, gender, family size and marital status; (b) social structure: education, employment and ethnicity; (c) culture, regional identity, women’s autonomy; (d) assets and affordability of households: assets, income, insurance coverage (Agarwal, Singh, & Garg, 2007; Bloom, Wypij, & Das Gupta, 2001; Bogg, Wang, & Diwan, 2002; Clair, Smeriglio, Alexander, & Celentano, 1989; Ellencweig & Grafstein, 1989; Ellencweig et al, 1990; Falkingham, 2003; Furuta & Salway, 2006; Handler, Rosenberg, Raube, & Kelley, 1998; Koenig et al, 2007; Kravdal, 2004; Materia et al, 1993; Matsumura & Gubhaju, 2001; Short & Zhang, 2004; Trakroo, 1993).
- Characteristics of the services or the enabling factors are as follows: (a) availability of health facilities (manpower, plant, equipment, drugs, bed, pharmaceuticals, doctors and specialists); (b) accessibility of healthcare (distance, area coverage of health centres (CHCs), distance of referral units, expenditure, transportation) (Bogg et al, 2002; Ellencweig et al, 1990; Koenig et al, 2007); (c) quality of care (cleanliness, water supply, doctor-patient relationship, mechanism to encourage continuity of medical care, patients’ perception, waiting area structure and waiting time) (Agarwal et al, 2007; Ellencweig & Grafstein, 1989; Ellencweig et al, 1990; Falkingham, 2003; Handler et al, 1998; Koenig et al, 2007; Mikhail, 2000) and (d) cost of care (doctors fee, hospital admission fee, cost of drugs, cost of medical test, cost of surgery as direct cost, cost of special diet, cost of drug, cost of transportation, tips, rituals, monetary loss of earnings of patient, loss of earning of person accompanying the patient) (Falkingham, 2003; Koenig et al, 2007).
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