FinScope 2015, Financial Inclusion
Zambia, 2015
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Reference ID
ZMB_2015_FSDZ_v01_M
Producer(s)
Financial Sector Deepening Zambia
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Created on
Oct 16, 2019
Last modified
Oct 16, 2019
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- Data files
- zmb-zambia-finscope-2015-v1.1-stata11
6.5. Main reason for not having insurance (Other, specify) (Q6_5_oth_s)
Data file: zmb-zambia-finscope-2015-v1.1-stata11
Overview
Valid:
286
Type:
Discrete
Start:
4567
End:
4686
Width:
120
Range:
-
Format:
character
Questions and instructions
Categories
| Value | Category | Cases | |
|---|---|---|---|
| Am about to get insurance | 1 |
0.3%
|
|
| Am not yet ready to use it | 1 |
0.3%
|
|
| Cause of the economy. | 1 |
0.3%
|
|
| Do not know the reason why I just do not have | 1 |
0.3%
|
|
| Doesn't know why she has | 1 |
0.3%
|
|
| Doesn't not need it. | 1 |
0.3%
|
|
| Don't have anything to insure | 1 |
0.3%
|
|
| Don't have assets such houses cars etc | 1 |
0.3%
|
|
| Don't have interest in insurance. | 1 |
0.3%
|
|
| Don't know | 1 |
0.3%
|
|
| Don't know where to find it | 1 |
0.3%
|
|
| Feels she doesn't have things to insure | 1 |
0.3%
|
|
| Had applied but was not pick applying was not free. | 1 |
0.3%
|
|
| Had one but he had some queries with the company and had to stop paying premiums | 1 |
0.3%
|
|
| Have nothing to insure | 1 |
0.3%
|
|
| Have never thought of it as a serious issue. | 1 |
0.3%
|
|
| Haven't really given it a thought | 1 |
0.3%
|
|
| He earns little salary | 1 |
0.3%
|
|
| He is not owing to any bank or lending institution | 1 |
0.3%
|
|
| I already got my insurance money through retirement benefits | 1 |
0.3%
|
|
| I am always busy with work and I have no time to go to broker or their offices | 1 |
0.3%
|
|
| I am currently unemployed | 1 |
0.3%
|
|
| I am not ready to start it. | 1 |
0.3%
|
|
| I am still looking at the conditions | 1 |
0.3%
|
|
| I am still young | 1 |
0.3%
|
|
| I am yet to start | 1 |
0.3%
|
|
| I can't afford it | 1 |
0.3%
|
|
| I cancelled my insurance policies with zsic because it takes time, I preferred saving with a bank. e | 1 |
0.3%
|
|
| I could be expensive | 1 |
0.3%
|
|
| I dint want to have extra costs | 1 |
0.3%
|
|
| I dnt trust them | 1 |
0.3%
|
|
| I do no know | 1 |
0.3%
|
|
| I do not want to have insurance | 1 |
0.3%
|
|
| I don't feel it's important. | 1 |
0.3%
|
|
| I don't get enough money | 1 |
0.3%
|
|
| I don't get enough money to justify me getting insurance | 1 |
0.3%
|
|
| I don't have a reason | 1 |
0.3%
|
|
| I don't have any thing to insure | 1 |
0.3%
|
|
| I don't have anything to insure | 2 |
0.7%
|
|
| I don't have assets to insure | 1 |
0.3%
|
|
| I don't have assets to insure. | 1 |
0.3%
|
|
| I don't have big assets | 1 |
0.3%
|
|
| I don't have enough money for insurance | 1 |
0.3%
|
|
| I don't have interest and knowledge | 1 |
0.3%
|
|
| I don't have money | 2 |
0.7%
|
|
| I don't have money or anything to ensure | 1 |
0.3%
|
|
| I don't have money to contribute | 1 |
0.3%
|
|
| I don't have money to pay for insurance | 1 |
0.3%
|
|
| I don't have money to pay for their services | 1 |
0.3%
|
|
| I don't have money to take there | 1 |
0.3%
|
|
| I don't have valuable assets and I am not working. | 1 |
0.3%
|
|
| I don't have valuable assets for me to get insured. I believe | 1 |
0.3%
|
|
| I don't have what to cover | 1 |
0.3%
|
|
| I don't have what to insure | 1 |
0.3%
|
|
| I don't just want | 1 |
0.3%
|
|
| I don't just want it | 1 |
0.3%
|
|
| I don't just want to have insurance. | 1 |
0.3%
|
|
| I don't know it | 1 |
0.3%
|
|
| I don't like it | 1 |
0.3%
|
|
| I don't money | 1 |
0.3%
|
|
| I don't need it | 1 |
0.3%
|
|
| I don't pay much attention to it | 1 |
0.3%
|
|
| I don't want to | 1 |
0.3%
|
|
| I don't work | 2 |
0.7%
|
|
| I don't work hence I can't get insured | 1 |
0.3%
|
|
| I don't work. | 1 |
0.3%
|
|
| I don't. no how. it works | 1 |
0.3%
|
|
| I dont have anything big to insure | 1 |
0.3%
|
|
| I dont work so i cannot have insurance | 1 |
0.3%
|
|
| I finished my insurance cover for funeral cover which I had for myself.. I was given a 5 year period of which I complete | 1 |
0.3%
|
|
| I had insurance but because am stopping work next year that is the main reason I don't have insurance | 1 |
0.3%
|
|
| I had insurance cover before I relocated from Lusaka. | 1 |
0.3%
|
|
| I had to get the benefits from these companies | 1 |
0.3%
|
|
| I have a scheme for Medical expenses. | 1 |
0.3%
|
|
| I have insufficient money | 1 |
0.3%
|
|
| I have just heard about it i don't know how it works | 1 |
0.3%
|
|
| I have never really thought of having it | 1 |
0.3%
|
|
| I have not registered | 1 |
0.3%
|
|
| I have not tried it yet | 1 |
0.3%
|
|
| I have not tried to yet | 1 |
0.3%
|
|
| I have nothing to insure | 1 |
0.3%
|
|
| I have other things to accomplish first | 1 |
0.3%
|
|
| I just don't want | 1 |
0.3%
|
|
| I need more information about it before I ensure myself | 1 |
0.3%
|
|
| I was once registered on insurance by my employer without my consent and there were deductions every month so I went and | 1 |
0.3%
|
|
| I will have it in future | 1 |
0.3%
|
|
| I'm not prepared for it | 1 |
0.3%
|
|
| Its a far place that you cant afford... to have insurance. its not necessary | 1 |
0.3%
|
|
| Just hasn't thought about it | 1 |
0.3%
|
|
| Lack of money | 1 |
0.3%
|
|
| Maybe you have nothing to ensure | 1 |
0.3%
|
|
| Need someone from insurance company to help me understand... | 1 |
0.3%
|
|
| No access | 1 |
0.3%
|
|
| No insurance company in Kasempa | 1 |
0.3%
|
|
| Not applicable. | 1 |
0.3%
|
|
| Not aware | 1 |
0.3%
|
|
| Not enough money to justify it | 1 |
0.3%
|
|
| Not interested but I know it's good. | 1 |
0.3%
|
|
| Not ready | 1 |
0.3%
|
|
| Not ready to start | 1 |
0.3%
|
|
| Nothing | 1 |
0.3%
|
|
| Prior to getting a new job, respondent didn't know benefits of insurance | 1 |
0.3%
|
|
| Respondent doesn't see the need of getting insurance as of noe | 1 |
0.3%
|
|
| Respondent has never thought about getting insurance | 1 |
0.3%
|
|
| Respondent has not bothered finding out about how it works | 1 |
0.3%
|
|
| Respondent has nothing valuable to ensure | 1 |
0.3%
|
|
| Respondent is not sure of what to insure yet | 1 |
0.3%
|
|
| Respondent's current income cannot support it | 1 |
0.3%
|
|
| She doesn't really know how it works | 1 |
0.3%
|
|
| She has no interest of having insurance | 1 |
0.3%
|
|
| She's not ready to have. | 1 |
0.3%
|
|
| Their policies are not good | 1 |
0.3%
|
|
| There are no insurance companies here in Chikanzaya, | 1 |
0.3%
|
|
| Will get later | 1 |
0.3%
|
|
| afraid that only the rich can be insured | 1 |
0.3%
|
|
| am about to have one | 1 |
0.3%
|
|
| am income is too little to add insurance | 1 |
0.3%
|
|
| am not yet prepared the join | 1 |
0.3%
|
|
| am not yet ready to get it | 1 |
0.3%
|
|
| am still too young to get insurance. I don't have valuable assets | 1 |
0.3%
|
|
| because I dont know how it works | 1 |
0.3%
|
|
| because I got sick | 1 |
0.3%
|
|
| because he doesn't have durable assets | 1 |
0.3%
|
|
| because i don't work. | 1 |
0.3%
|
|
| because i have too much expenditure to cover | 1 |
0.3%
|
|
| because they don't have a good job to have insurance | 1 |
0.3%
|
|
| becouse I don't work | 1 |
0.3%
|
|
| didn't think of it in the first place, am now old so I can't do it. | 1 |
0.3%
|
|
| disappointment | 1 |
0.3%
|
|
| do not have collateral | 1 |
0.3%
|
|
| does nit work | 1 |
0.3%
|
|
| does not have enough money to engage myself in the same | 1 |
0.3%
|
|
| does not have property to insure against | 1 |
0.3%
|
|
| does not understand how insurance works | 1 |
0.3%
|
|
| does not want to pay premiums | 1 |
0.3%
|
|
| don't 've good conditions | 1 |
0.3%
|
|
| don't any valuable asset to insure | 1 |
0.3%
|
|
| don't have a car | 1 |
0.3%
|
|
| don't have an an asset like a car to insure | 1 |
0.3%
|
|
| don't have anything to insure | 2 |
0.7%
|
|
| don't have anything valuable to insure | 1 |
0.3%
|
|
| don't have assets | 1 |
0.3%
|
|
| don't have goods to insure | 1 |
0.3%
|
|
| don't have money | 4 |
1.4%
|
|
| don't have money to insure things | 1 |
0.3%
|
|
| don't have money to save | 1 |
0.3%
|
|
| don't have money. | 1 |
0.3%
|
|
| don't have what to take for insurance | 1 |
0.3%
|
|
| don't know | 4 |
1.4%
|
|
| don't know it works | 1 |
0.3%
|
|
| don't know more about them. | 1 |
0.3%
|
|
| don't know why | 1 |
0.3%
|
|
| don't know. | 2 |
0.7%
|
|
| don't trust them | 1 |
0.3%
|
|
| don't work | 1 |
0.3%
|
|
| dont have enough to save with insurance companies | 1 |
0.3%
|
|
| dont have source of income | 1 |
0.3%
|
|
| have know better reason. | 1 |
0.3%
|
|
| have no interest | 1 |
0.3%
|
|
| have no reason | 1 |
0.3%
|
|
| have not just set myself | 1 |
0.3%
|
|
| have not thought of having insurances | 1 |
0.3%
|
|
| have nothing to insure | 1 |
0.3%
|
|
| have stopped work | 1 |
0.3%
|
|
| have vehicle insurance | 1 |
0.3%
|
|
| haven't given it a thought | 2 |
0.7%
|
|
| he don't have bigger things to ensure | 1 |
0.3%
|
|
| i currently don't have assets to insure | 1 |
0.3%
|
|
| i don't 've insurance cause I don't 've assets I can insure | 1 |
0.3%
|
|
| i dont have a car or a house to insure | 1 |
0.3%
|
|
| i dont know much about it and i dont have enough money | 1 |
0.3%
|
|
| i dont think the benefits of insurance are good enough | 1 |
0.3%
|
|
| i dont work | 1 |
0.3%
|
|
| i had a loan to pay and cannot be paying insurance at the same time | 1 |
0.3%
|
|
| i have no fixed salary | 1 |
0.3%
|
|
| i have not just developed interest | 1 |
0.3%
|
|
| i havent reached that stage yet | 1 |
0.3%
|
|
| ignorance | 1 |
0.3%
|
|
| insurance companies are far | 1 |
0.3%
|
|
| insurance companies are not available | 1 |
0.3%
|
|
| insurance companies are too far | 1 |
0.3%
|
|
| insurance companies are very far | 2 |
0.7%
|
|
| insurance is for people who work, the company provides it for you | 1 |
0.3%
|
|
| insurance is for people with vehicles | 1 |
0.3%
|
|
| it needs a lot of paper work | 1 |
0.3%
|
|
| it takes too long for them to pay | 1 |
0.3%
|
|
| it's a loss | 1 |
0.3%
|
|
| it's expensive | 1 |
0.3%
|
|
| it's for people who work | 1 |
0.3%
|
|
| it's not yet in his plan | 1 |
0.3%
|
|
| it's people with more money | 1 |
0.3%
|
|
| its for mature people | 1 |
0.3%
|
|
| its very difficult to get ur benefits after the the policy has matured. | 1 |
0.3%
|
|
| its very expensive | 1 |
0.3%
|
|
| just don't have it | 1 |
0.3%
|
|
| just don't want | 1 |
0.3%
|
|
| just don't want but knows the benefits | 1 |
0.3%
|
|
| just feels lazy for such | 1 |
0.3%
|
|
| just find out about | 1 |
0.3%
|
|
| just have not bothered | 1 |
0.3%
|
|
| just not interested | 1 |
0.3%
|
|
| just not yet | 1 |
0.3%
|
|
| just reluctant | 1 |
0.3%
|
|
| know reason | 1 |
0.3%
|
|
| know reasons | 2 |
0.7%
|
|
| lack of infromation | 2 |
0.7%
|
|
| lack of interest. | 1 |
0.3%
|
|
| lack of knowledge | 1 |
0.3%
|
|
| location of issurance companies in my area | 1 |
0.3%
|
|
| luck of information and not accessible in places | 1 |
0.3%
|
|
| maybe i can do it in future | 1 |
0.3%
|
|
| maybe it's because I don't have anything to insure for. | 1 |
0.3%
|
|
| my husband has | 1 |
0.3%
|
|
| my husband who used do insurance covers passed away | 1 |
0.3%
|
|
| no benefits for me | 1 |
0.3%
|
|
| no interest | 4 |
1.4%
|
|
| no interest. | 1 |
0.3%
|
|
| no money | 1 |
0.3%
|
|
| no reason | 3 |
1%
|
|
| no valuable assets to insure | 1 |
0.3%
|
|
| not having more infromation about | 1 |
0.3%
|
|
| not ready cause I don't have a job yet | 1 |
0.3%
|
|
| not sure of what to insure yet | 1 |
0.3%
|
|
| not yet registered | 1 |
0.3%
|
|
| not yet settled to have insurance policy | 1 |
0.3%
|
|
| nothing | 7 |
2.4%
|
|
| nothing I don't want | 1 |
0.3%
|
|
| nothing that he needs to be insured | 1 |
0.3%
|
|
| nothing to insure | 1 |
0.3%
|
|
| nothing. | 1 |
0.3%
|
|
| school boy | 1 |
0.3%
|
|
| she doesn't have money | 1 |
0.3%
|
|
| sometimes you insure something like a car and you find that your has not been damaged and you lose out because it's non | 1 |
0.3%
|
|
| still at school | 1 |
0.3%
|
|
| still researching about it | 1 |
0.3%
|
|
| the respondent says that money is not enough for him to have insurance | 1 |
0.3%
|
|
| the system is not the way people expects it to be | 1 |
0.3%
|
|
| the take too long to process the things | 1 |
0.3%
|
|
| the time i was working i wanted to do liife insurance but the conditions were bad | 1 |
0.3%
|
|
| their policies aren't good | 1 |
0.3%
|
|
| there are no insurance companies here | 1 |
0.3%
|
|
| there is no specific reason why I don't have insurance | 1 |
0.3%
|
|
| there no insurance companies in our area. | 1 |
0.3%
|
|
| there no such companies here | 1 |
0.3%
|
|
| they are so many dedication with insurance | 1 |
0.3%
|
|
| they are too far | 1 |
0.3%
|
|
| they don't exist here | 1 |
0.3%
|
|
| they is nothing I can insure | 1 |
0.3%
|
|
| too young to have insurance cover i don't have an income | 1 |
0.3%
|
|
| waiting for business to expand | 1 |
0.3%
|
|
| waiting to sort out some problems | 1 |
0.3%
|
|
| we Will have later not now | 1 |
0.3%
|
|
| we don't have insurance companies here | 1 |
0.3%
|
|
| we don't have means to sustain insurance policy | 1 |
0.3%
|
|
| we don't have things to insure | 1 |
0.3%
|
|
| we don't want | 1 |
0.3%
|
|
| we have savings | 1 |
0.3%
|
|
| we never thought of that | 1 |
0.3%
|
|
| we still planning for it | 1 |
0.3%
|
|
| when i had it they did not pay me off when i had a problem so i decided to cut it off. | 1 |
0.3%
|
Warning: these figures indicate the number of cases found in the data file. They cannot be interpreted as summary statistics of the population of interest.