Table 5 Financial effect of overall expenditure on colorectal cancer patient’s family
Characteristic | Expenditure of a newly diagnosed disease coursea (CNY) | Self-reported predicted reimbursement ratiob (%) | Out-of-pocket expenditureb,c (CNY) (A) | Previous-year household income (CNY) (B) | Expense-income ratio (A/B) | Self-reported financial pressuree [n (%)] | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|
Value | P d | Not at all | Somewhat but manageable | Heavy | Overwhelmed | P f | |||||
Total | 58,778 | 46.5 | 32,649 | 54,525 | 0.599 | – | 158 (6.7) | 429 (18.3) | 647 (27.6) | 1111 (47.4) | – |
Hospital type | |||||||||||
General | 48,258 | 50.2 | 26,742 | 61,866 | 0.432 | <0.001 | 70 (10.1) | 128 (18.5) | 200 (28.9) | 294 (42.5) | <0.001 |
Specialized | 63,189 | 44.9 | 35,154 | 51,403 | 0.684 | 88 (5.3) | 301 (18.2) | 447 (27.0) | 4817 (9.4) | ||
Age at diagnosis (years) | |||||||||||
<45 | 59,930 | 41.3 | 36,670 | 56,888 | 0.645 | 0.019 | 12 (3.4) | 61 (17.0) | 75 (20.9) | 210 (58.7) | <0.001 |
45–54 | 62,643 | 46.8 | 34,621 | 57,088 | 0.606 | 34 (6.3) | 86 (16.0) | 142 (26.3) | 277 (51.4) | ||
55–64 | 58,340 | 45.8 | 32,173 | 51,441 | 0.625 | 55 (7.0) | 133 (16.9) | 228 (29.0) | 369 (47.0) | ||
≥65 | 55,527 | 49.8 | 29,425 | 54,792 | 0.537 | 57 (8.6) | 149 (22.5) | 202 (30.5) | 255 (38.5) | ||
Sex | |||||||||||
Men | 59,496 | 47.8 | 32,180 | 55,654 | 0.578 | 0.293 | 85 (6.4) | 256 (19.2) | 390 (29.2) | 605 (45.3) | 0.053 |
Women | 57,823 | 44.7 | 33,273 | 52,999 | 0.628 | 73 (7.2) | 173 (17.1) | 257 (25.5) | 506 (50.1) | ||
Education | |||||||||||
Primary school or below | 56,196 | 40.8 | 33,563 | 43,647 | 0.769 | <0.001 | 28 (3.9) | 88 (12.1) | 206 (28.4) | 404 (55.6) | <0.001 |
Junior high school | 55,499 | 44.7 | 33,151 | 51,301 | 0.646 | 52 (6.7) | 130 (16.7) | 207 (26.6) | 389 (50.0) | ||
Senior high school | 62,019 | 50.1 | 31,598 | 62,863 | 0.503 | 44 (7.5) | 136 (23.1) | 172 (29.3) | 236 (40.1) | ||
Undergraduate or higher | 68,776 | 59.8 | 30,943 | 75,844 | 0.408 | 34 (13.4) | 75 (29.6) | 62 (24.5) | 82 (32.4) | ||
Occupation | |||||||||||
Farmer | 56,812 | 37.0 | 36,961 | 37,845 | 0.977 | <0.001 | 11 (1.3) | 72 (8.6) | 214 (25.4) | 544 (64.7) | <0.001 |
Enterprise or company employee/worker | 59,787 | 56.7 | 28,593 | 60,396 | 0.473 | 53 (9.3) | 123 (21.7) | 166 (29.3) | 225 (39.7) | ||
Self-employed or unemployee | 51,594 | 35.1 | 33,266 | 57,242 | 0.581 | 23 (6.6) | 48 (13.7) | 93 (26.5) | 187 (53.3) | ||
Retiree | 64,059 | 60.3 | 28,342 | 69,155 | 0.410 | 27 (9.9) | 89 (32.5) | 82 (29.9) | 76 (27.7) | ||
Public sector employee | 66,992 | 58.8 | 29,102 | 72,026 | 0.404 | 34 (13.2) | 84 (32.6) | 82 (31.8) | 58 (22.5) | ||
Other | 59,806 | 31.1 | 42,908 | 74,245 | 0.578 | 10 (18.5) | 13 (24.1) | 10 (18.5) | 21 (38.9) | ||
Healthcare insurance type | |||||||||||
Urban employee basic medical insurance | 62,021 | 58.8 | 28,021 | 65,258 | 0.429 | <0.001 | 108 (11.8) | 222 (24.3) | 275 (30.1) | 308 (33.7) | <0.001 |
Urban resident basic medical insurance | 56,065 | 49.1 | 29,482 | 50,466 | 0.584 | 18 (4.0) | 110 (24.7) | 116 (26.1) | 201 (45.2) | ||
New rural cooperative medical scheme | 56,880 | 35.1 | 37,684 | 43,898 | 0.858 | 20 (2.2) | 81 (9.1) | 235 (26.3) | 556 (62.3) | ||
Commercial insurance | 59,424 | 25.2 | 42,769 | 60,273 | 0.710 | 4 (18.2) | 4 (4.5) | 1 (22.7) | 5 (54.5) | ||
Self-paid | 47,771 | 0.0 | 47,771 | 79,956 | 0.597 | 5 (10.2) | 5 (18.4) | 9 (18.4) | 9 (53.1) | ||
Other | 80,807 | 64.9 | 39,869 | 57,855 | 0.689 | 3 (12.5) | 6 (25.0) | 7 (29.2) | 8 (33.3) | ||
Previous-year household income (CNY) | |||||||||||
<20,000 | 51,323 | 37.6 | 33,207 | 10,258 | 3.237 | <0.001 | 6 (1.8) | 20 (6.0) | 61 (18.2) | 249 (74.1) | <0.001 |
20,000–39,999 | 58,978 | 44.8 | 34,618 | 26,072 | 1.328 | 34 (5.4) | 66 (10.5) | 160 (25.4) | 371 (58.8) | ||
40,000–69,999 | 58,885 | 49.4 | 30,979 | 49,932 | 0.620 | 41 (6.2) | 155 (23.3) | 198 (29.8) | 271 (40.8) | ||
≥70,000 | 62,086 | 50.0 | 31,769 | 110,959 | 0.286 | 68 (10.7) | 179 (28.1) | 207 (32.5) | 182 (28.6) | ||
Clinical stage | |||||||||||
I | 50,425 | 50.0 | 26,950 | 48,454 | 0.556 | 0.054 | 49 (15.0) | 64 (19.6) | 79 (24.2) | 135 (41.3) | <0.001 |
II | 56,097 | 45.9 | 31,305 | 53,801 | 0.582 | 38 (6.1) | 133 (21.2) | 176 (28.1) | 280 (44.7) | ||
III | 59,782 | 45.0 | 32,969 | 53,401 | 0.617 | 43 (5.3) | 139 (17.1) | 233 (28.7) | 398 (49.0) | ||
IV | 65,209 | 47.7 | 36,610 | 61,333 | 0.597 | 27 (4.9) | 91 (16.4) | 154 (27.8) | 282 (50.9) | ||
Pathologic type | |||||||||||
Adenocarcinoma | 59,653 | 46.9 | 32,756 | 55,065 | 0.595 | 0.139 | 142 (6.9) | 373 (18.0) | 565 (27.3) | 990 (47.8) | 0.083 |
Other | 52,955 | 44.8 | 31,272 | 51,593 | 0.606 | 12 (6.8) | 38 (21.6) | 59 (33.5) | 67 (38.1) | ||
Type of therapy | |||||||||||
Surgery | 53,083 | 45.2 | 29,521 | 48,047 | 0.614 | <0.001 | 82 (9.3) | 172 (19.5) | 262 (29.7) | 367 (41.6) | <0.001 |
Chemotherapy | 62,476 | 47.9 | 34,846 | 61,024 | 0.571 | 43 (5.5) | 123 (15.8) | 205 (26.3) | 409 (52.4) | ||
Surgery and postoperative chemotherapy | 62,217 | 48.9 | 33,251 | 54,218 | 0.613 | 8 (2.4) | 63 (18.9) | 95 (28.5) | 167 (50.2) | ||
Symptomatic treatment | 47,408 | 41.3 | 29,608 | 60,538 | 0.489 | 22 (10.0) | 46 (21.0) | 51 (23.3) | 100 (45.7) | ||
Concurrent chemoradiotherapy | 97,958 | 52.8 | 46,001 | 46,232 | 0.995 | 2 (3.2) | 13 (21.0) | 17 (27.4) | 30 (48.4) | ||
Radiotherapy | 79,945 | 42.0 | 46,824 | 56,359 | 0.831 | 0 (0.0) | 6 (14.3) | 10 (23.8) | 26 (61.9) | ||
Neoadjuvant chemotherapy and surgery | 77,269 | 48.1 | 43,154 | 36,200 | 1.192 | 0 (0.0) | 5 (31.3) | 4 (25.0) | 7 (43.8) | ||