中国商业健康保险需求的影响因素及其差异——基于险种结构的实证分析  

Determinants and Differences of Commercial Health Insurance Demand in China——Empirical Analysis Based on Insurance Structure

作　　者：董海松 Dong Haisong

机构地区：[1]武汉大学经济与管理学院

出　　处：《兰州学刊》2022年第9期42-55,共14页

基　　金：国家社科基金项目“健康中国战略视域下农村居家医养结合养老服务研究”(项目编号:19BSH179)。

摘　　要：商业健康保险按保障内容可分为医疗保险、疾病保险、失能收入损失保险和长期护理保险四大类子险种,文章比较和检验了主要因素对这四大类子险种需求的影响差异程度。利用中国2011—2019年省级单位的非平衡面板数据,构建PSUR模型实证估计四大类子险种需求方程组。比较分析发现:健康指数和经济发展指数对医疗保险需求影响最为显著,且呈正相关关系;健康指数和社会医疗保障指数对疾病保险需求具有最为显著的正向效应;伤残指数和家庭规模指数对失能收入损失保险需求具有最大显著影响,前者与其正相关,后者与其负相关;老龄化指数是长期护理保险需求的最主要影响因素。这些研究对改善国内商业健康保险市场子险种结构严重失衡的状况提供了重要线索。Commercial health insurance can be divided into medical insurance,illness insurance,disability income loss insurance and long-term care insurance according to the guarantee content.The paper compares and tests the difference degree of the main influencing factors on the demand of the four types of insurance.Based on the unbalanced panel data of provincial units in China from 2011 to 2019,the PSUR model is constructed to empirically estimate the demand equation set of four sub-insurance types.The comparative analysis shows that health index and economic development index both have the most significant influence on medical insurance,and are positively correlated.Health index and social medical security index both have the most significant positive effect on disease insurance.Disability index and family size index both have the most significant influence on disability income loss insurance,while the former is positively correlated with disability income loss insurance,the latter is negatively correlated with it.Aging index is the most important factor influencing long-term care insurance.These studies provide extremely important clues for improving the serious imbalance of the sub-insurance structure in the domestic health insurance market.

关 键 词：商业健康保险需求 险种结构差异 PSUR 

分 类 号：F842.6[经济管理—保险]