一种新型互助式住院陪伴保险的可行性分析

The Feasibility Analysis of A New Type of Mutual Assistance Hospitalization Companion Insurance

本文构想一种新型互助式住院陪伴保险,对该款保险的运行机制、服务群体等内容进行初步构建,通过问卷,调查人们对该款保险需求的基本数据,并运用SPSS软件对需求状况影响因素进行分析,得出年龄、空闲时间、家中是否有住院病人等影响该款保险需求的重要因素,并据此建立二元logistic回归模型并进行可行性分析。

This paper conceives a new type of mutual assistance hospitalization companion insurance,and initially constructs the operating mechanism and service groups.Through questionnaire survey,we investigate people’s demand for this insurance,and use SPSS software to model and analyze the influential factors of demand situation,via which we can get the distribution of age,the average amount of free time and the answer to whether there are inpatient needs and other important factors that affect the demand of insurance.Based on these factors,a binary logistic regression model is established and feasibility analysis is carried out.