A Study On The Influencing Factors Of The Demand For Commerical Health Insurance In Inner Mongolia

Health is the people’s most universal need for a better life.In the report of the 19th National Congress of the Communist Party of China,the implementation of the healthy China strategy is proposed as an important part of the basic national development strategy:The commercial health insurance is to take the body of the insured as the insurance subject,to ensure that the insured can get compensation for the direct costs or indirect losses caused by diseases or accidents.On January 23,2020,the Ministry of Finance and other 11 national ministries and commissions jointly issued the opinions on promoting the development of commercial insurance in the field of social services,which pointed out that we should continue to vigorously develop commercial health insurance,and put forward to strive for the market size of commercial health insurance to exceed 2 trillion yuan by 2025,and focus on improving health insurance products and services in the future.Since the restoration of commercial health insurance in 1982,the development of commercial health insurance has greatly improved.However,as an important part of the health industry chain,the development level of Inner Mongolia is still lower than the national average.So,how about the development of commercial health insurance in Inner Mongolia?Is there any difference between the league and the city?What factors affect the development of Inner Mongolia commercial health insurance?Therefore,it is of practical significance to explore the influencing factors of Inner Mongolia commercial health insurance demand for further promoting the development of Inner Mongolia commercial health insurance.Based on the review of relevant theories and literature,this paper first summarizes and analyzes the overall situation of the demand for commercial health insurance in Inner Mongolia.Secondly,using the method of qualitative and quantitative analysis,this paper discusses the influence of macro and micro factors on the demand of commercial health insurance.At the macro level,the panel data of Inner Mongolia 12 League cities in 2008-2018 is used to establish a multiple regression model;at the micro level,the cross-section data is obtained through questionnaire survey and probit model is established.Then,the paper analyzes whether the groups have social insurance or not,and finds the differences between the two groups.According to the results of empirical analysis,specific coclusions are drawn and relevant suggestions are put forward to increase the demand of Inner Mongolia commercial health insurance and promote the sustainable development of Inner Mongolia commercial health insurance.