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Table 5 Financial effect of overall expenditure on colorectal cancer patient’s family

From: Expenditure and financial burden for the diagnosis and treatment of colorectal cancer in China: a hospital-based, multicenter, cross-sectional survey

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)  
  1. CNY Chinese Yuan
  2. aTwo months before and ten months after diagnosis
  3. bThe data of 12 patients were missing
  4. cOut-of-pocket expenditure = [∑(1 − self-reported predicted reimbursement ratio) × medical expenditure of a newly diagnosed course + non-medical expenditure of a newly diagnosed course]/n; n refers to the sample size
  5. dTwo-sample Student’s t test after logarithm transition was used for binary classification variables, including hospital type, sex, and pathologic type; analysis of variance test after logarithm transition was used for other multiple categorical variables, including age at diagnosis, education, occupation, insurance type, household income, and therapeutic regimen
  6. eThe data of 11 patients were missing for hospital type, age at diagnosis, sex, education, occupation and insurance type; the data of 21, 35, 88 and 110 patients were missing for type of therapy, clinical stage, household income and pathologic type, respectively
  7. fWe classified “not at all” and “somewhat but manageable” as manageable burdens and the other two responses as unmanageable burdens. The Chi square test was used for subgroup comparisons