新冠肺炎疫情对商业健康保险需求意愿的影响研究——基于河南省的调查分析  

The Impact of Covid-19 Epidemic on Demand Intention of Commercial Health Insurance:Based on the Investigation of Henan Province

作　　者：谢明明 李琴英[1] 吴国哲 Xie Mingming

机构地区：[1]郑州大学商学院,河南郑州450001 [2]中国太平洋财产保险股份有限公司河南分公司,河南郑州450000

出　　处：《金融理论与实践》2021年第12期108-115,共8页Financial Theory and Practice

基　　金：国家社会科学基金青年项目“相对贫困视角下医疗保障化解支出型贫困的机理与政策优化研究”(20CSH029);教育部人文社会科学研究青年基金项目“基于精准化解灾难性卫生支出的医疗保障补偿机制优化研究”(19YJC840048)的阶段性成果。

摘　　要：在分析新冠肺炎疫情对商业健康保险需求影响机理的基础上,基于微观调查数据,应用二元logistic模型和二分类因变量中介效应模型,检验新冠肺炎疫情对居民商业健康保险需求意愿的影响。研究发现:第一,新冠肺炎疫情对商业健康保险需求意愿具有显著的正向影响;第二,新冠肺炎疫情通过中间变量对商业健康保险需求意愿产生影响。居民风险保障意识在新冠肺炎疫情与商业健康保险需求意愿之间起到了促进作用,国家免费治疗政策替代性的认知一定程度上影响了新冠肺炎疫情对居民购买商业健康保险需求意愿的提升程度。基于此,从保险公司完善针对特殊疫情的保险产品、政策支持保险产品创新、提升居民健康保险知识素养、加强医疗与保险场景深度融合等几方面提出对策建议。This paper analyzes Covid-19 epidemic’s influence mechanism on commercial health insurance demand.Based on micro survey data,binary logistic model and binary dependent variable mediating effect model were used.The paper examines the Covid-19 epidemic impact on Henan residents’commercial health insurance demand intention.The results show that the Covid-19 epidemic has a significant positive impact on the demand intention of commercial health insurance.Meanwhile,the Covid-19 epidemic has an impact on the demand intention of commercial health insurance through intermediate variables.The awareness of risk protection plays a promoting role.The national free treatment policy has reduced the willingness of residents to purchase commercial health insurance.This paper puts forward countermeasures and suggestions from several aspects,for example,insurance companies develop and design insurance products for special epidemic situations,policy support insurance product innovation,improve residents’health insurance knowledge literacy,strengthen the deep integration of medical and insurance scenes.

关 键 词：新冠肺炎疫情 商业健康保险 需求意愿 

分 类 号：F840.625[经济管理—保险]