Research Report On The Willingness To Activate The Individual Account Of Medical Insurance For Workers In Beijing

In recent years,with the continuous improvement of the National medical insurance system,the personal account of basic medical insurance for urban workers in our country has become more and more prominent as an inherent defect of the current system.Medical insurance personal account funds precipitate a lot,serious depreciation;The abuse of personal accounts and the occurrence of cash in the retail side,the issue of personal accounts is once again debated.At the beginning of the design of personal account policy,it has the function of controlling fees and saving.But with the promotion of the overall out-patient management,the personal account gradually loses its value.It has become a consensus to explore the future policy orientation of personal account,choose the appropriate personal account transformation strategy,adjust the personal account protection object and payment scope,and reform personal account.This paper will investigate the willingness to choose the personal account activation from the demand side and analyze the reform direction of personal account.The survey was conducted for two and a half months from October 20,2017,and a survey of Beijing employees was conducted.The survey focused on the basic information of the individuals concerned,their health status,their knowledge of and use of their personal accounts and their willingness to choose their personal accounts.In this paper,the author analyzes the factors that may affect the respondents 'willingness to choose by using the Logitic model.There are six factors that pass the test.Gender,place of residence,whether I experienced serious health problems,personal accounting policy and knowledge of the way to understand,the main reasons for the low use of personal health insurance accounts,the reasons for personal accounting withdrawal.Among them,women are more likely than men,registered Beijing workers than registered outside Beijing workers to have health insurance account activation;The higher the level of medical insurance accounts,the more the accumulation of accounts,the more willing to account activation;It is positive to know the personal account of health insurance through newspapers and magazines,and positive to know the personal account of health insurance through propaganda.Among these factors,whether I have experienced serious health problems has the greatest and most significant effect on the willingness to activate the individual account.