An Empirical Study On The Willingness To Participate In Millions Of Medical Insurance

In recent years,with the continuous increase of residents’ income and the gradual change of the social consumption structure,people pay more attention to healthy and safe lifestyles,and have higher requirements for health.The existing social medical security system can no longer meet the diverse needs of residents.need.Since the advent of the million-dollar medical insurance,it has rapidly expanded in the health insurance market by virtue of the advantages of "low premium and high insurance amount",which has promoted the development of health insurance.In the process of development of the million-dollar medical insurance,its problems have gradually emerged.The low user penetration rate limits the further development of the million-dollar medical insurance.The emergence of Lanzhou Jinchenghui Medical Insurance has also squeezed the market space of Lanzhou’s million-dollar medical insurance.Therefore,it is of great practical significance to analyze the willingness of millions of Lanzhou residents to participate in medical insurance and the influencing factors.The main text takes Lanzhou residents as the survey objects,and adopts the questionnaire method to analyze the residents’ perceptions of Lanzhou residents from four aspects: personal basic information of the surveyed residents,commercial health insurance insurance experience,insurance concept and cognition,and satisfaction with millions of medical insurance.The willingness to participate in the medical insurance of millions of people is analyzed to explore the factors that affect the willingness to participate in the medical insurance of millions of people.First,make statistics on the results of the questionnaire to understand the basic characteristics of the surveyed residents;secondly,carry out a descriptive analysis of the results of the questionnaire,and carry out an empirical analysis on the results of the survey through a binary logistic regression model,which clearly affects the medical insurance of millions of people.Significant factors of willingness to enroll.The model shows that household annual income,purchase of commercial health insurance,awareness of millions of medical insurance,deductibles,coverage and other services have a significant impact on the willingness to participate in millions of medical insurance.Finally,according to the research results,the following suggestions are put forward: increase publicity efforts to improve the awareness level of Lanzhou residents on the million-dollar medical insurance;grasp the needs of users and strengthen the innovation of millions of medical insurance products;promote local economic development and increase residents’ disposable income,enhance the economic ability of residents to purchase millions of medical insurance;expand the offline market,improve the professional quality of sales personnel,and improve consumer satisfaction in sales and claims;realize information sharing between industries,and improve supporting services for millions of medical insurance.