Study On Influencing Factors Of Commercial Health Insurance Demand In China

With the economic development of our country and the improvement of people’s material living standard,residents’ demand for medical and health care is increasing rapidly.Social basic medical insurance and commercial health insurance are the main components of our medical health insurance system.Among them,social medical insurance is a part of the compulsory public social security mechanism established in China,and commercial health insurance is a kind of insurance insurance for profit purpose that the insurance company bears the risk and the consumer voluntarily buys.The coverage of social health insurance is broad but the protection is low,which can only provide the most basic medical security for the residents.As a supplement of social medical insurance,commercial health insurance will improve our medical security The system plays a vital role.At present,thedata show that the development of commercial health insurance in China is in the primary stage,and there is still a big gap compared with the developed countries.Taking the demand of commercial health insurance as the research object,this paper discusses the development situation,characteristics,factors affecting the demand of commercial health insurance and the reasons for the imbalance of regional development in order to provide some theoretical and policy basis for promoting the development of commercial health insurance in China.Combined with literature analysis,quantitative and qualitative analysis,this paper uses stata statistical software to process and analyze the data.First of all,a large number of reading,collection and collation of relevant literature,to understand and grasp the current domestic and foreign related theories and research on the influencing factors of commercial health insurance demand.Secondly,analyze the economic data collected about commercial health insurance and discuss the demand of commercial health insurance in China.Then,by selecting variables and data and using time-fixed effect model,we explore the correlation and correlation coefficient between influencing factors and commercial health insurance demand,and also explore the existence area of commercial health insurance demand.The first chapter expounds the research background and significance of the thesis,then systematically introduces the current research situation of domestic and foreign scholars,and further explains the research purpose,content,ideas and framework of this paper,and puts forward the innovation points and shortcomings of this paper.The second chapter is mainly the theoretical analysis of commercial health insurance,first clarifies the concept,characteristics,role of commercial health insurance,then introduces the influencing factors that affect the demand of commercial health insurance,and makes a specific analysis in four aspects: risk factors,economic factors,population factors and social factors.The third chapter mainly introduces the current situation of commercial health insurance demand in China,first analyzes the overall situation of commercial health insurance demand in China: the scale of insurance premium increases,the density of insurance and the depth of insurance increase year by year;secondly,the business ofcommercial health insurance in China is mainly heavy health insurance,and there are differences in regional development.Finally,the characteristics of commercial health insurance demand in China are analyzed: small coverage,large potential demand and insufficient effective demand.The fourth chapter mainly carries on the empirical analysis to the commercial health insurance demand influence factor.Hausmann and other tests were used in the model selection to obtain the double fixed effect model.Then the national data selected in this paper are analyzed,tested and revised,and finally the factors that have a significant impact on the demand for commercial health insurance are the level of education,the dependency ratio of juvenile population,and the income of the social basic medical insurance fund.After that,the same treatment was carried out in the eastern,central and western regions,and it was concluded that the factors affecting the demand for commercial health insurance in the eastern region were education level,old-age dependency ratio,juvenile dependency ratio and social basic medical care.The fifth chapter is the conclusion and countermeasure suggestion.According to the results of empirical analysis,the author makes recommendations to consumers,insurance companies and the government.First of all,for consumers,we should raise their own insurance awareness and fully understand the role of commercial health insurance and social basic medical insurance line;secondly,for insurance companies,we should pay attention to the diversity and pertinence of insurance products to solve the problem of talent shortage;finally,for the government,we should increase the national commercial health insurance publicity and improve the education level of residents.