| Commercial health insurance plays a significant role in improving medical insurance products,enhancing the quality of medical insurance and reducing the burden of people’s medical care.Although China’s commercial health insurance started late,it has made rapid development in recent years by virtue of the general trend of medical security system changes and the "healthy China" policy.In 2019,the premium income of China’s commercial health insurance was 706.6 billion yuan,with a compound annual growth rate of 28.54% in the past 10 years,with a very rapid growth rate.Under the environment of continuous promotion of China’s insurance industry,commercial health insurance in Henan Province has also achieved rapid development to a certain extent.In 2019,the premium income of commercial health insurance in Henan Province was 46.8 billion yuan,about 19 times of that in 2009,and the growth rate of premium income once reached more than 30% in 2017 and 2018,which is also in the leading position in the national ranking,From this point of view,Henan commercial health insurance has made great progress.Although the continuous development and optimization of commercial health insurance in Henan Province has played a very positive role in the improvement of the economic level and the risk guarantee of people’s life,we should also recognize that there are still big problems in the development of commercial health insurance in Henan Province: the residents’ participation in health insurance is very low,and the effective needs of commercial health insurance Ask for deficiency.Therefore,based on this research background,this paper studies the influencing factors of commercial health insurance demand in Henan Province.First of all,through data comparison and analysis of the development trend and current situation of commercial health insurance in China and Henan Province,it points out that the development of commercial health insurance in Henan Province is relatively fast,but the overall level is low,the awareness of public health insurance is insufficient,and the separation of medical insurance and insurance is a problem.These problems lead to the limited role of commercial health insurance,which can not give full play to the supplementary function of the medical insurance system,which needs further development.Secondly,it selects the income,population structure and social policy to analyze the factors that affect the commercial health insurance.At the same time,considering the differences of economic,cultural and development characteristics among different provinces,the commercial health insurance market in Henan Province has the characteristics of high market concentration and low density,and the conclusion drawn by using the traditional influencing factor system may be biased,so this paper,on the basis of relevant theories,adds the consideration of the market structure of health insurance and introduces market concentration The "entropy index EI" is a moderate index to analyze the current situation and demand factors of commercial health insurance in Henan Province.In the panel data of 2008-2018,data related to the influencing factors of the demand for commercial health insurance in Henan Province are selected.At the same time,from the perspective of individual factors,social factors and internal factors of the health insurance industry,systematic GMM model is used to study the demand for commercial health insurance in Henan Province.The results show that per capita disposable income and residents’ health care expenditure The proportion and market concentration have a significant positive impact on the demand for commercial health insurance in Henan Province,the proportion of government health expenditure has a significant inhibition effect,and the population dependency coefficient and gender ratio have no significant impact on the demand for commercial health insurance.Finally,through the analysis of the conclusion,the following suggestions are put forward to improve the effective demand of commercial health insurance: for the government,it is necessary to gradually improve the information sharing mechanism between "medical insurance" and "insurance" in the province;to urge the development of low threshold insurance products to realize the transformation of potential demand;to strengthen the publicity of health insurance,to appropriately implement the corresponding subsidy policies for special types of insurance;to strengthen the business To control the market structure of industrial health insurance and encourage excellent enterprises to form brand effect.For enterprises,we should improve the health service industry chain based on the risk guarantee function,expand insurance publicity and adjust development strategy according to local conditions. |
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