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Juho Kukkula, OH6ZZNAC VHF, maaliskuu 2006Yleinen sarjaKutsu qso tulos sqr qrb1. OH1F 91 46402 41 706 SM6CQU2. OH1ND 85 42301 39 779 OZ1IEP3. OH6A 71 40848 39 727 LA2Z4. OH6QR 74 39163 36 693 SK6W5. OH0AZ 71 36484 33 545 LA2Z6. OH4LA 76 31706 31 555 LY2BUU7. OH6HFX 44 28836 30 777 SK6W8. OH6MC 50 23489 25 618 SK1BL9. OH6PA 38 19054 21 579 SK6W10. OH3KRH 49 18348 20 518 SM2VBK11. OH7SQ 30 15673 17 676 SK0UX12. OH8NAC 29 14227 17 536 OH1ND13. OH8VJ 34 14114 16 397 ES3HO14. OH5ZB 29 13652 16 502 SM2A15. OH6UK 22 12240 16 428 SK0UX16. OH6UW 27 12049 14 441 ES7GM17. OH3BY 34 11333 13 619 SK4BX18. OH8RH 25 11312 14 442 OH1ND19. OH5LK 28 10183 11 431 OH6HFX20. OH8MTM 20 9414 13 396 OH5LK21. OH2NAF 35 7328 8 272 OH0AZ22. OH6NG/9 7 6053 7 546 OH6QR23. OH6LUW 12 5229 7 270 OH0JFP24. OH3EX 10 3163 4 540 SK1BL25. OH8HTG 4 2058 3 227 OH6QR26. OH6GFI 8 2010 3 137 7S2AT27. OH1UP 9 1816 3 110 OH1FFone-sarjaKutsu qso tulos sqr qrb km1. OH0JFP 101 51805 43 767 OZ1BEF2. OH0A 89 39162 33 543 LA2Z3. OH1AU 78 30483 30 565 SM2VBK4. OH5KNG 57 24179 26 654 SK4BX5. OH2TP 77 23729 23 508 SK4BX6. OH4GGW 40 17657 19 580 SM3LBN7. OH3HPU 44 16981 19 894 SK4BX8. OH6JKW 28 14589 18 591 SK6W9. OH3JP 45 11910 13 405 SK0UX10. OH8JSZ 23 10562 13 448 OH1AU FM11. OH5HYU 28 10287 13 479 SK0UX12. OH5LK 28 10183 11 431 OH6HFX FM13. OH2MQY 35 8822 11 375 SK0UX14. OH3HQA 17 8007 10 473 OH1AU15. OH5GJZ 22 7746 9 513 SK0UX16. OH8MGK 16 7585 10 594 ES7GM FM17. OH2NAF 35 7328 8 272 OH0AZ18. OH2HSJ 35 7044 9 248 OH6QR FM19. OH2GGN 30 6916 9 249 ES7GM FM20. OH6HLH 23 6705 8 253 OH8JSZ21. OH2TO 20 6415 8 444 SK0UX22. OH4GVN 13 6355 8 410 ES7GM23. OH9KBB 10 5823 8 307 OH6JAB FM24. OH5MNJ 21 4691 6 239 OH6QR25. OH2K 28 4667 6 154 OH1ND

26. OH3MPB 13 4050 6 197 OH6QR FM27. OH6LDE 5 3199 5 270 OH1AU FM28. OH2MPH 22 3016 4 196 ES8RD FM29. OH3HPV 8 2860 4 194 OA1AU FM30. OH3HB 11 2535 4 116 OH4GGW FM31. OH6GFI 8 2010 3 137 7S2AT32. OH6ZZ 2 1411 2 335 OH0JFP33. OH8KVY 5 1153 2 60 OH8LGZ FM34. OH8MXJ 4 1139 2 56 OH8JSZ FM35. OH2GDF 1 511 1 11 OH4LA FMNAC UHF, maaliskuu 2006Yleinen sarjaKutsu qso tulos sqr qrb1. OH6QR 46 24504 24 647 SK1BL2. OH0A 44 24269 25 504 SM2A3. OH4LA 39 19910 21 558 SK4BX4. OH8LRB 19 12657 14 708 ES5PC5. OH1ND 20 9751 12 402 SK4BX6. OH6NG 15 8827 12 380 SM3LBN7. OH8NAC 15 7624 9 307 OH6VV8. OH5LK 12 7458 8 616 SM2VBK9. OH6VV 17 7138 8 341 ES2DF10. OH6UW 14 6649 8 438 ES5PC11. OH8VJ 10 4487 6 306 OH1ND12. OH6PA 9 4400 6 278 OH0JFP13. OH2NAF 19 3782 6 269 OH0JFP14. OH7SQ 6 3711 5 343 SM2VBK15. OH8MTM 10 3628 5 293 OH8NAC16. OH8HTG 5 2013 3 233 OH6VV17. OH1UP 5 1053 2 13 OH1HEG18. OH6HFX 1 510 1 5 OH6HJGFone-sarjaqso pist sqr qrb1. OH0JFP 59 29248 27 755 OZ9KY2. OH1AU 47 16529 21 562 SK6HD/63. OH5KNG 26 11416 13 654 SK4BX4. OH6JKW 13 6868 9 333 SM3LBN5. OH3HPU 13 5299 7 339 OH0JFP6. OH8JSZ 7 3875 6 234 SM2VBK FM7. OH6HLH 7 2762 4 222 OH1AU8. OH5AZY 3 1951 3 274 OH6QR FM9. OH9KBB 4 1640 3 354 OH6QR FM10. OH6LDE 2 1141 2 91 OH6QR FM11. OH8MXJ 2 581 1 56 OH8JSZ FMNAC SHF, maaliskuu 2006Kutsu qso tulos sqr qrb1. OH0JFP 18 12207 15 693 OZ6OL2. OH1AU 17 3716 6 416 SA4Z3. OH2ML 7 3557 5 392 SM3BEI4. OH6QR 2 1748 2 394 SM3BEI5. OH0A 1 511 1 11 OH0JFPNAC VHF, huhtikuu 2006Yleinen sarja

Dental insurance among employees in Riyadhafter explaining the purpose of study to the participants.The employees working in each category wereidentified in the analyses stage through specific serialnumbers to ensure the confidentiality of the informationprovided by the participants. The practicalitycriteria and the need to meet sampling objectives of ourstudy determined the selection of the companies. Anemployee having dental insurance or medical insurancewhich, covers dental treatment as well, wasconsidered as the inclusion criteria for this survey.The questionnaire contained two parts; the firstconsisted of socio-demography related questions suchas age or date of birth, gender, level of education,Nationality, marital status and monthly income. Thesecond part consisted of questions pertaining to awarenessand satisfaction of dental insurance, as to howmuch awareness the respondents have regarding thevalue, rules, coverage and period of the dental insurance.The questions were formatted in the followingmanner(Q1) Do you know about your dental insurance valuefor you and your family?(Q2) Do you know your dental insurance rules?(Q3) What treatment options does your dental insurancecover?(Q4) What is the period of your dental insurance?(Q5) How satisfied are you with the insurance company?The socio-demographic variables were correlatedwith the respondent’s satisfaction towards dental insurance.The questionnaire had four possible responsesfor satisfaction that were “dissatisfied, acceptable, satisfied,and very satisfied.”The statistical analysis of the data included theclassification of data and calculation of frequencies; andwas carried out using SPSS version 16.0 software. Chisquaretests were used to analyze significant associationbetween age, gender, Nationality, marital status,level of education and monthly income with awarenessrelated questions (Q1, Q2, Q3, and Q4). The associationbetween the socio-demographic variables and the satisfactioncriteria (Q5) were analyzed using KruskalWallis and the Mann-Whitney tests.RESULTSQuestionnaires were distributed to 800 employeesand among them, 675 responded with a response rateof 84.37%. Majority of respondents were males (n=549,81.7%), Saudi Nationals (n=633, 94.3%) and in the agegroup of 26-35 years (n=421, 66.0%). Table 1 shows asignificant association between the socio-demographiccharacteristics and Q1. As expected, those with highereducation level were more aware of the value of dentalinsurance for themselves and their family. Graduatesshowed the highest percentage of awareness; 52.5%(221/421), followed by high school; 47% (71/151) andpostgraduates 31.2% (25/80). Age and monthly incomewere positively related to the level of awareness, inwhich, younger individuals and those with low incomehad less awareness about the dental insurance valuethan older and richer individuals. More specifically,individuals above 30 years of age showed better awarenessregarding insurance value (62.5%) than individualsbelow 30 years. In addition, a higher percentage ofmarried people (55%) were aware of the value as comparedwith those who were singe (37%).Most of the respondents were unaware of the rulesregarding dental insurance except the highest incomegroup, as shown in table 2. None of the respondentswere aware about the treatment options covered by thedental insurance as indicated in table 3.The married respondents (56.3%) also showed moreawareness regarding the period of dental insurancethan those who were unmarried (43.4%) as noted intable 4. Older individuals showed a better awarenessabout the period of their insurance. Analysis by genderindicated that female participants had less awarenessabout their dental insurance value 32.8% (40/122) andinsurance period 37.3% (44/118) than male participants;51.7% (281/544) and 54.5% (294/539) respectively.In the satisfaction criteria, 8.72% of the individualswere very satisfied, and 28.27% satisfied; 55.49% respondedas “acceptable” and 7.52% were dissatisfiedwith their respective insurance companies. Least satisfactionwas expressed by the low income groups asdemonstrated in table 5.The socio-demographic variables showing positiveassociation with dental insurance awareness and satis-Pakistan Oral & Dental Journal Vol 31, No. 2 (December 2011)404

Yleinen sarjaqso tulos sqr qrb1. OH0A 52 24318 24 523 SM6USS2. OH6QR 42 23946 23 663 YL2AO3. OH4LA 28 17464 20 558 SK4BX4. OH1F 28 16306 20 476 SK1BL5. OH1ND 23 13871 17 521 SM7GEP6. OH8LRB 20 13633 16 670 SM0FZH7. OH6NG 18 10282 14 447 SM0FZH8. OH8NAC 10 6574 8 452 SM3AKW9. OH6UK 11 5762 9 227 OH8LRB10. OH2LH 6 2971 4 376 YL3AG11. OH6GUA 7 2581 4 183 OH1F12. OH6PA 4 2554 4 278 OH0JFP13. OH6UW 5 1978 3 234 OH6NG14. OH6VV 3 1398 2 288 OH1ND15. OH7SQ 2 1378 2 189 OH8NAC16. OH8HTG 2 1315 2 227 OH6QR17. OH8MTM 3 1046 2 19 OH8JYO18. OH1MDR 1 511 1 11 OH1FFone-sarjaqso tulos sqr qrb km1. OH0JFP 55 28614 28 755 OZ9KY2. OH1AU 28 14845 18 509 SK6QW3. OH5KNG 14 9070 11 654 SK4BX4. OH6JKW 15 8811 12 333 SM3LBN5. OH2TP 13 5172 7 320 SM0FZH FM6. OH6GFI 8 3135 5 173 OH1F FM7. OH6LDE 5 2867 5 174 OH1F FM8. OH2AVP 6 2008 3 264 OH0AZ9. OH8MXJ 4 1115 2 56 OH8JSZ FMNAC SHF, huhtikuu 2006qso tulos sqr qrb1. OH0JFP 26 19057 22 693 OZ6OL2. OH6QR 7 4959 6 394 SM3BEI3. OH1AU 8 4272 8 287 SM3BEINAC VHF, toukokuu 2006Yleinenqso tulos sqr qrb1. OH1F 95 49013 43 657 LA2Z2. OH6A 66 39791 39 727 LA2Z3. OH6QR 71 36188 33 693 SK6W4. OH5LK 59 28611 28 753 SK6W5. OH4LA 59 27805 30 617 LY3OD6. OH1ND 56 26242 26 570 SM2VBK7. OH3KRH 46 22923 26 622 SK6W8. OH6NG 39 22377 25 590 ES5PC9. OH6MC 43 17846 20 628 SM1PYO10. OH6PA 26 16137 20 579 SK6W11. OH6HFX 27 15484 18 574 SK0UX12. OH8LRB 23 14876 17 666 SK0UX13. OH3BY 43 14007 16 455 SK0UX14. OH0AZ 25 13560 16 545 LA2Z15. OH6UK 25 13401 18 442 SK0UX16. OH6UW 30 13247 16 438 ES5PC

17. OH8PF 19 12080 14 692 SK0UX18. OH8NAC 23 11900 15 504 OH5LK19. OH2LH 41 11851 13 507 LY2BJ20. OH6WD 27 10661 12 358 OH1ND21. OH2NAF 38 10558 13 390 SM5CUI22. OH8RH 21 10525 12 433 OH1AU23. OH7SQ 18 10118 12 495 7S2AT24. OH2BUZ 38 9893 11 646 SK6W25. OH1AXV 20 9875 12 460 SK7CN/526. OH5ZB 18 9612 12 731 SK6W27. OH5TS 18 9050 11 699 OH1F28. OH2MQY 22 4545 6 375 SK0UX29. OH3QN 15 3205 4 192 OH6QR30. OH1UP 9 3076 5 246 SK0UX31. OH3BJL 8 2649 4 188 OH4GGW32. OH8MTM 8 2521 4 177 OH5KNGNAC VHF, toukokuu 2006Foneqso tulos sqr qrb1. OH0JFP 109 54316 40 795 SP2PIK2. OH1AU 96 36420 30 784 SK7MW3. OH0A 73 33148 30 564 SK7CY4. OH5KNG 64 26598 25 658 LY3A5. OH2TP 63 21068 22 601 SM2VBK6. OH4GGW 45 20099 20 586 SK3W7. OH3HPU 48 16336 18 460 SK0UX8. OH6JKW 18 11708 15 591 SK6W9. OH4GVN 18 11194 14 410 ES7GM10. OH3JP 38 9539 11 405 SK0UX11. OH5KE 23 8432 11 312 OH1F12. OH5HYU 21 8236 11 479 SK0UX13. OH8MGK 16 8169 11 322 OH5KNG14. OH6HLH 19 6943 9 228 OH6A FM15. OH3HQA 11 5545 8 358 OH3HPU16. OH5MNJ 13 4855 7 372 OH6A FM17. OH6JYW 10 4786 6 293 OH1AU FM18. OH5GJZ 15 4536 6 312 OH1F19. OH2HSJ 27 3636 5 166 OH1AU FM20. OH3HB 11 2577 4 116 OH4GGW FM21. OH2HXR 6 2439 4 153 ES7GM FM22. OH6GFI 7 2366 4 136 OH6HFX FM23. OH2K 20 2106 3 107 OH3BY24. OH3HPV 7 2013 3 250 OH1AU FM25. OH0JN 6 2000 4 365 SK6W26. OH1TD 4 1893 3 264 OH5KNG FM27. OH8MXJ 5 1828 3 102 OH6WD FM28. OH6LDE 5 1500 3 91 OH6QR FM29. OH5AZY 7 710 1 62 OH3DB FMNAC UHF, toukokuu 2006Yleinenqso tulos sqr qrb1. OH0A 72 32088 27 611 OH8NAC2. OH6QR 47 28479 28 647 SK1BL3. OH1F 45 26098 26 657 LA2Z4. OH4LA 40 19997 21 558 SK4BX5. OH6NG 30 17065 20 447 SM0FZH6. OH8NAC 15 9249 10 662 SM3LBN

7. OH5TS 18 9050 11 699 OH1F8. OH8LRB 13 7271 9 536 SM3BEI9. OH6UK 11 6183 8 449 SM0FZH10. OH6VV 12 6161 7 413 SM2VBK11. OH5LK 8 5456 6 550 SM2A12. OH6UW 8 3945 5 438 ES5PC13. OH7SQ 6 3666 5 343 SM2VBK14. OH8MTM 6 2136 3 293 OH8NAC15. OH8HTG 2 1468 2 241 SM2VBK16. OH5ZB 1 728 1 228 OH6QR17. OH1MDR 1 511 1 11 OH1FNAC UHF, toukokuu 2006Foneqso tulos sqr qrb1. OH0JFP 85 40730 34 693 OZ6OL2. OH1AU 39 20284 22 544 SM7ATE3. OH6JKW 18 9668 11 503 SK4BX4. OH3JP 38 9535 11 405 SK0UX5. OH2TP 21 7754 10 354 SK0CT6. OH5KNG 12 7301 9 654 SK4BX7. OH3HPU 7 4948 7 340 OH0A8. OH2AVP 12 2825 4 161 OH0JFP9. OH6LDE 5 1428 2 158 7S2AT FM10. OH6GFI 3 1186 2 134 SM2DXH FM11. OH3HQA 1 561 1 61 OH7SQ FMNAC SHF, toukokuu 2006qso tulos sqr qrb1. OH0JFP 34 18854 21 533 SM6DJH2. OH6QR 9 7060 8 484 ES5PC3. OH0A 11 6662 9 402 OH5LK4. OH5LK 3 2696 3 518 SK0UX5. OH1AU 3 2170 3 287 SM3BEINAC 2.3G+Up, toukokuu 2006qso tulos sqr band qrb1. OH0/SM5AFS 9 5953 8 2.3 306 SM1A2. OH0JFP 9 5733 8 2.3 306 SM1A