Analysis Of The Factors Affecting The Demand Of Commercial Health Insurance

In recent years,with the rapid development of China's economy,the people's material and cultural level has been greatly improved,the residents of the rapid growth in health care needs. China's medical and health insurance categories are mainly divided into social basic health insurance and commercial health insurance,commercial health insurance is borne by the insurance company risk, consumers voluntarily buy for the purpose of profit insurance products. Social health insurance is a kind of compulsory public social security mechanism established by our country.Commercial health insurance is an important supplement to social medical insurance.As the social health insurance insists on the principle of "wide coverage and low security", it provides basic medical security for the residents. When the residents are faced with the serious illness, the residents can not afford the expensive medical expenses. The commercial health insurance will bear most medical care for the insured Cost, and thus the development of commercial health insurance to improve China's medical security system has played a key role. "2017 China Business Health Insurance Development Index" shows that China's commercial health insurance development index of 60.6, at a low level of development structure, and Western Europe and the United States developed countries can not be ignored gap, while China's commercial health insurance market there are still development level Lag,product innovation and other issues. Therefore, this paper takes the influencing factors of commercial health insurance demand as the research object, analyzes the influencing factors by using descriptive statistical analysis and measurement model,and improves the professional level of China's commercial health insurance market and solves the shortage of effective market demand And so on the theoretical basis for improving the social health care system to promote the development of China's health insurance has a certain practical significance and reference value.In this paper, descriptive statistical analysis and binomial Logit regression model are used to analyze the present situation and existing problems of commercial health insurance market. The factors influencing commercial health insurance are analyzed quantitatively, and the influence of explanatory variables on commercial health insurance The degree and the influencing factors of the trend of comparative analysis.Obtained the following conclusions:First, from the perspective of population structure. From the regression results of age, the age of 18 to 59 years of age group with the growth of the demand for commercial health insurance, and the older age group over 60 years of age and the need for commercial health insurance is not strong, And the negative correlation, the reason for this regression is that commercial health insurance for people over the age of 60 years of age have strict restrictions on commercial health insurance mainly for profit purposes, the elderly face greater health risks, the market is almost no Older insurance products. From the other statistical characteristics of the population to analyze the gender, according to the regression results, men have greater demand for commercial health insurance.Second, from the perspective of insurance protection. First, the welfare of consumer work units has nothing to do with the demand for commercial health insurance. The demand for commercial health insurance comes from the sense of risk of their own health status, and the low level of welfare of each unit is not enough to affect people's insurance awareness. Second, consumer investment in business health insurance needs to have a certain economic base, the more people have the economic strength of investment in health insurance, the greater the demand for commercial health insurance. Finally, the role of social health insurance in promoting the demand for commercial health insurance. The results of regression show that social medical insurance is positively related to the demand of commercial health insurance. After the establishment of social basic medical insurance system, the health insurance awareness of all residents will be greatly improved, which stimulates the development of commercial health insurance.Third, from the perspective of risk aversion. The higher the degree of disgust for a certain risk, the stronger the willingness to buy a commercial health insurance product. The higher the level of education, the deeper the perception of risk, the greater emphasis on risk management, the higher the degree of risk aversion. The regression results show that the level of education is positively related to the demand for commercial health insurance, and the higher the degree of education, the greater the demand for commercial health insurance.