Social Interaction,Family Factors And Commercial Health Insurance Purchase Behavior Of Household

With the development of China's economy,people are starting to pay more attention to their health,and progress has been made in the development of China's health insurance.Due to the publication of laws and regulations,the health insurance market is gradually regulated.The insurance products have also achieved certain innovations.However,compared with foreign markets,the overall development of China's commercial health insurance is small,and the level of development is limited.The effective demand for health insurance for residents has not been fully transformed.Therefore,It has important theoretical and practical significance to research on the factors affecting the purchase behavior of health insurance in China.At present,the research on the purchase behavior of family business health insurance has been very rich,but domestic scholars have not studied the purchase behavior of family business health insurance from the perspective of social interaction.This paper uses the Probit model and the Tobit model to analyzes the impact of social interaction on the purchase behavior of family business health insurance from the micro level of the family,and further joins the intersection of family characteristics and social interaction.The item further analyzes the differences in the impact of social interaction on the purchase behavior of family business health insurance.After analysis,the paper draws the conclusions as follow: social interaction has a significant impact on the purchase behavior of family business health insurance in China;Family kid ratio and family net asset also have significant positive effect on behavior of purchasing health insurance;Family factors will affect social interaction,which will affect the purchase of family business health insurance;Factors such as education level,risk attitude and urbanization level will also have a significant impact on family business health insurance purchase behavior.