老年商业医疗保险影响因素的实证研究

Old people commercial medical insurance influence factor's demonstrative research

研究探讨中国老年商业医疗保险消费的影响因素,以2006年中国城乡老年人口状况追踪抽样调查数据为依托,运用Logistic回归方法进行实证分析。研究发现,女性购买商业医疗保险的可能性是男性的0.64倍,受教育程度为私塾的老年人购买的可能性是没读过书老年人的2.07倍,有偶分居和离婚群体购买商业医疗的可能性远远高于有偶同住人群,非农户口群体购买的可能性是农业户口人群的0.47倍,老年人自理困难指数每提高一个单位,购买商业医疗保险的可能性降低16%。总的来说,人口学特征和老年人健康水平对老年商业医疗保险的消费存在显著影响,男性、受教育程度高、婚姻状态不稳定、农村户籍、健康水平较好的老年人更可能拥有老年商业医疗保险。

The study analyzed infulence factors of elderly＇s commercial medical insurance, based on Lon- gitud inal survey data of the aged population in China in 2006, with the method of logistic regression. The study drawed a concusion that male, people with higher education level, unstable marriage, rural account, better health condition are more likely to have commer- cial medical insurance.