Study Of The Impact Of Population Age Structure Change On The Commercial Health Insurance Demand

The age structure of the population as an important concept of population structure is usually linked to the production economy.Different population age structures have different effects on the country's economic development and social culture.The age structure of China's current population will be severely cruel.of.According to the quantitative indicators of the age structure of the population,China is currently showing the phenomenon of aging and minority.According to the UN's common standards for the definition of aging,China has already officially entered an aging society in 2000,because of its large population base,it has become the country with the largest number of elderly populations,and has maintained rapid growth for nearly two decades..At the same time,due to the mandatory family planning policy,China has rapidly changed from a multi-child society to a less-child society.The increase in the number of elderly people born in the baby boom period and the lack of a new generation of population will greatly reduce the proportion of the future labor force,high dependency ratio and The consequences are the disappearance of the demographic dividend and the demographic debt period.In the face of the next trend of population age structure,it is necessary to pay close attention to it.In order to maintain social stability and economic development,it is necessary to take corresponding measures to cope with the changing age structure of the population.Since the elderly population and the children's population group are all susceptible populations,the burden of medical expenses is high,and the rising burden of maintenance burden will make people pay more attention to the risk of health risk management to transfer medical burden.At present,it is difficult to meet the higher-level insurance needs of residents in China's medical system guarantees only by relying on social medical insurance;and the insurance coverage of the elderly population with the strongest demand,the lack of exclusive products for children and the long-term security,and the supply of commercial health insurance products.The imbalance also puts forward requirements for the development of commercial health insurance.It is necessary to deepen the reform of product structure,cater to the needs of consumers,and enhance the value-added services related to health insurance.As an important part of the health service industry,commercial health insurance can provide a good complement to the health and insurance needs of residents.Thus,changes in the age structure of the population are both opportunities and challenges for the development of the commercial health insurance industry.Based on the current situation and development trend of China's population age structure change,the paper analyzes the impact path of population age structure commercial health insurance demand,and analyzes the supply and demand mismatch of commercial health insurance in the current population age.Then,based on the data of 2006-2016 in various provinces and cities in China,the gray correlation degree and fixed effect panel data model were constructed and the conclusions were drawn for the population age structure change and commercial health insurance demand,and dummy variables were introduced to explore the differences among different regions.Finally,aiming at the development trend of China's future population age structure,combined with the research results,the paper puts forward reasonable solutions and directions for the development of commercial health insurance proposed in the previous paper.The research in the paper believes that the related problems brought about by the age structure change of China's population are severe.China is characterized by aging and childlihood,and the demographic dividend period will gradually decline and enter the society of high support.The overall acceleration of commercial health insurance is in a period of rapid development,but there are corresponding problems in development.In terms of the impact of the age structure of the population on the demand for commercial health insurance,it is proposed that the age structure of the population will influence the demand for commercial health insurance from the perspectives of macro factors and health risk awareness,and propose the current market product structure of commercial health insurance when analyzing risk awareness.There is a problem that the supply and demand relationship does not match.The grey correlation model shows that the elderly and children's populations across the country and provinces are more concerned with health insurance needs than life insurance needs.From the fixed effect panel data model,the results show that the old-age dependency ratio and the child-raising ratio are positively correlated with the growth of commercial health insurance premium density,and the age structure-related differences between regions are not significant.Based on the analysis of the impact of the age structure of the population on the demand for commercial health insurance,the insurance company can implement the recommendations from the definition of the medical security system,the strengthening of professional management to train professionals,and the improvement of commercial health insurance for the design of the elderly and children.Professional management,promoting health insurance product structure reform and promoting comprehensive health management services to promote the development of commercial health insurance,and rationally grasping the age structure of China's population is an important driving force for the advancement of the commercial health insurance industry.