Table 3 Multivariate analysis to identify the relationship between health insurance and maternal health care service utilization (n = 4278)

Health insurance

No

Ref.

Ref.

Ref.

Yes

1.54(1.06–2.25)*

1.84(1.1–3.08)*

1.32(0.7–2.46)

Age

15–19

Ref.

Ref.

Ref.

20–24

1.31(0.77–2.21)

0.94(0.61–1.45)

1.33(0.59–3.03)

25–34

2.03(1.15–3.58)*

1.02(0.63–1.64)

0.97(0.39–2.4)

35–49

1.97(0.97–3.98)

0.74(0.41–1.32)

1.42(0.46–4.4)

Educational status

No education

Ref.

Ref.

Ref.

Primary

1.38(1.046–1.81)*

1.79(1.43–2.24)*

1.21(0.75–1.94)

Secondary

1.57(1.02–2.42)*

4.84(2.89–8.9)*

1.20(0.59–2.44)

Higher

2.1(1.27–3.42)*

6.82(3.18–14.6)*

1.32(0.53–3.26)

Marital status

Never in union

Ref.

Ref.

Ref.

Currently in union

0.42(0.17–1.00)

0.6(0.21–1.74)

0.75(0.23–2.47)

Formerly in union

0.43(0.17–1.09)

0.58(0.19–1.72)

0.82(0.24–2.86)

Residence

Rural

Ref.

Ref.

Ref.

Urban

0.96(0.61–1.5)

4.74(2.62–8.57)*

0.95(0.5–1.79)

Wealth index

Poorest

Ref.

Ref.

Ref.

Poorer

1.15(0.72–1.84)

1.82(1.22–2.73)*

1.35(0.69–2.61)

Middle

1.34(0.84–2.11)

2.03(1.39–2.96)*

2.18(1.13–4.19)*

Richer

1.87(1.18–2.97)*

2.17(1.45–3.25)*

2.42(1.31–4.44)*

Richest

3.02(1.79–5.10)*

3.71(2.17–6.35)*

2.19(1.07–4.45)*

Occupation

Not Working

Ref.

Ref.

Ref.

Working

0.91(0.72–1.16)

1.03(0.82–1.30)

1.43(1.03–1.98)*

Media access

No

Ref.

Ref.

Ref.

Yes

1.45(1.08–1.95)*

1.05(0.81–1.35)

1.67(1.05–2.64)*

Distance to a health facility

Big problem

Ref.

Ref.

Ref.

Not a big problem

1.2(0.91–1.56)

1.26(0.97–1.63)

1.6(1.08–2.36)*

No more

Ref.

Ref.

Ref.

Pregnancy intension

Then

1.25(0.79–1.97)

0.8(0.53–1.21)

1.67(0.83–3.37)

Later

1.03(0.63–1.68)

0.62(0.37–1.05)

2.33(1.06–5.14)*

Parity

One

Ref.

Ref.

Ref.

2–4

0.75(0.52–1.06)

0.49(0.35–0.67)*

1.48(0.85–2.57)

> = 5

0.59(0.38–0.92)*

0.36(0.25–0.52)*

0.91(0.44–1.89)