Tobit

Urban families

Rural

families

High-income families

Low-income families

(1)

(2)

(3)

(4)

(5)

eldinsurance

0.413**

0.257

0.483**

0.488**

0.250

(0.185)

(0.681)

(0.193)

(0.197)

(0.354)

gender

−0.010

0.014

−0.031

−0.008

−0.019

(0.016)

(0.022)

(0.025)

(0.016)

(0.032)

age

−0.002**

−0.003

0.000

−0.001

−0.003

(0.001)

(0.002)

(0.001)

(0.001)

(0.002)

edu

0.007***

0.010***

0.004

0.004**

0.013***

(0.002)

(0.003)

(0.003)

(0.002)

(0.005)