基于锡尔系数的广东省2008-2017年健康险区域差异分析

Analysis on regional difference of health insurance from 2008 to 2017 in Guangdong province based on Theil index

[目的]对广东省健康险近10年的发展概况和区域发展差异的分析,为健康险的区域均衡发展提出方法建议。[方法]计算广东省2008-2017年保费收入和保险密度的锡尔系数,并对锡尔系数进行分解。[结果]健康险保费收入、保险深度和保险密度不断增长,2016年保费收入比2008年增长6.5倍,2017年底保险深度为0.59%、保险密度为486.86元,比2008年分别增长7.38倍、6.6倍,四大区域市场格局占比差距比较大,珠三角地区一直占市场的80%以上;在保费收入方面,广东省健康险的区域发展较为不平衡,区域内部各市县发展的不平衡已成为健康险区域整体发展不平衡的主要原因;在保险密度方面,广东省各市县发展迅速,但是各市县之间发展不均衡问题较为突出,保险密度值已经从273.5元增长至990.63元。[结论]2008-2017年广东省健康险保费收入、保险深度和保险密度不断增长,但保费深度、人均保费仍较低,各区域间及区域内发展不平衡。

Objective To analyze development situation and regional difference of health insurance in recent 10 years in Guangdong province so as to provide method and suggestion for regional balanced development of health insurance.Methods Theil index of premium income and insurance density in Guangdong province from 2008 to 2017 was calculated and resolved.Results The premium income,insurance depth and density of health insurance were kept increasing.Premium income increased 6.5 times in 2016 than that in 2008.Insurance depth was 0.59%,density was 486.86 yuan in 2017 which increased 7.38 and 6.6 times than that in 2008 respectively.There was a big gap in the proportion of the four regional market patterns,Pearl River Delta region was accounting for more than 80%of the market all the time.In terms of premium income,the regional development of health insurance in Guangdong province was unbalanced.The unbalanced development of cities and counties interior domains had become main reason for the unbalanced overall development of health insurance regions.In terms of insurance density,cities and counties in Guangdong province developed rapidly,but the problem of unbalanced development between cities and counties was more prominent.The insurance density value had increased from 273.5 yuan to 990.63 yuan.Conclusions The premium income,insurance depth and density of health insurance were kept increasing from 2008 to 2017 in Guangdong province.But density of health insurance and per capita premium are still low.The development of inter-regional and intra-regional is unbalanced.