Study On The Impact Of Family Population Structure On The Demand For Commercial Health Insurance

In recent years,the concept of "healthy China" has gradually taken root in the hearts of the people.China issued the outline of the "healthy China 2030" plan,which proposed that the insurance industry should actively participate in the construction of the national medical security system and provide consumers with multi-level and diversified commercial health insurance products.The state has provided a good macro institutional environment for the healthy development of commercial health insurance.Commercial health insurance products cover four aspects: health,disease,disability,income loss and nursing.From a simple insurance claim settlement model to a wide coverage,multi-level and diversified comprehensive management model,commercial health insurance products are increasingly able to meet the health security needs of consumers in different industries and ages.At the same time,the basic situation of our society is also changing.Influenced by the transformation of population structure,the adjustment of fertility policy,the aggravation of aging and the improvement of family population education level,China's family population structure is also undergoing great changes.The reduction of family size,the reduction of family income sources,the weakening of family risk response ability,and the weakening of the function of health security.Commercial health insurance can escort families and bear the losses when health risks occur.It is gradually welcomed by the masses and has become a major growth point of insurance premiums.Therefore,analyzing the impact of China's family population structure on the demand for commercial health insurance and further predicting the future trend of family population structure will help to promote the future development of China's commercial health insurance.By using the data of China's household finance survey in 2017,this paper carefully classifies the family population structure according to different standards,makes an in-depth study on the impact path between the family population structure and consumers' demand for commercial health insurance,and discusses the relevant four main variables: the proportion of the elderly population,the proportion of children's population,the total population of the family and the cultural level of the head of the family.Through the research,we found that: first,the proportion of the elderly in the family has a significant positive effect on the demand for commercial health insurance;Second,the expansion of the proportion of children in the family has a positive effect on the demand for commercial health insurance,but the result is not significant;Third,the expansion of family size will inhibit the demand for commercial health insurance;Fourth,the change of family population structure in the future will promote the increase of demand for commercial health insurance.On this basis,it makes an empirical analysis after carefully classifying the family size,the proportion of the elderly and young,and the education level of the head of household,so as to have a deeper understanding of the research results.Matlab software is also used to predict the future changes in China's population structure,and the macro results are reflected in the micro family level,so as to predict the impact of future changes in family structure on the demand for commercial health insurance.Family population structure does have an impact on the demand for commercial health insurance,and the change of family population structure in the future will also have a predictable impact on the demand for commercial health insurance.After drawing the conclusion,this paper finally puts forward relevant suggestions from the three levels of government,company and individual.The government needs to speed up the construction of the social security system,increase investment in education,strengthen insurance publicity,speed up economic construction,and improve the laws and regulations related to maternity policies;The company needs to strengthen product innovation and improve service capacity;Individuals need to enhance their awareness of insurance and plan the allocation of family insurance in advance.