商业健康保险需求理论与实证研究综述

Review on the theoretical and empirical research of commercial health insurance demand

系统归纳和总结了国外商业健康保险需求的基本经济学理论和最新发展动态,同时对国内近年来在商业健康保险需求方面的实证研究进行了综述,将商业健康保险需求的影响因素主要归结为收入水平、健康状况、教育水平和强制性社会保险等方面。分析了我国商业健康保险需求不足的原因,并提出如下解决措施:提升公众健康保险的需求意识;准确定位社会医疗保险和商业健康保险之间的关系;保险经营者要不断改进和完善产品与服务,以满足人们多层次、多样化的健康保障需求。

In this paper, we summarize the traditional economic theoretical models on commercial health insurance demand and introduce the recent development in this area. We also provide full descriptions of empirical studies on commercial health insurance demand in China. We find that factors which have significant effects on commercial health insurance purchases include income level, health status, educational level and compulsory social insurance. Finally, we analyze the reasons of low demand for commercial health insurance in China and give some suggestions for further improvement. First, to raise people’s awareness of commercial health insurance demand; Second, to clearly define the relationship between social health insurance and commercial health insurance; Third, commercial health insurance providers need to improve their products and services to meet the various demands of all consumers.