上海市城区居民大病保险支付意愿调查分析

Research on the willingness to pay for the serious illness insurance among urban residents in Shanghai

目的:探究上海市城区居民对大病保险个人筹资的支付意愿及影响因素。方法:整群抽样选取上海市某中心城区居民为样本,利用STATA13进行统计描述、单因素分析和Ordered Logistic回归模型分析大病保险支付意愿及影响因素。结果:被调查者45.7%支付意愿高、30.9%支付意愿一般、23.4%支付意愿低。居民对现行大病保险的认知情况是影响个人支付意愿的最重要因素,其他影响因素包括受教育程度、家庭规模、是否罹患慢性病和是否定期体检。结论:总体而言,上海市城区居民具有个人额外支付大病保险保费的意愿,在加强政策宣传、提升居民对大病保险机制的知晓度和认同度的前提下,上海市大病保险具备通过个人筹资来扩大保险覆盖面、提高保障水平的基础。

Objective:To explore the willingness of Shanghai urban residents to pay for the Serious Illness Insurance and its influencing factors.Methods:Through cluster sampling method,a questionnaire survey was conducted among 1000 residents of the central district in Shanghai,getting 888 valid returns,with an effective recovery rate of 88.8%.The willingness to pay and its influencing factors were analyzed by descriptive statistics,one-way analysis of variance and Ordered Logistic Regression in STATA13.Results:Results have shown that 45.7%of respondents had a high willingness to pay(WTP);30.9%had a medium WTP;and 23.4%had a low WTP,respectively.People’s cognition of the current Serious Illness Insurance is the most significant determinant of their willingness to pay.Other factors of high influence were education,household size,chronic diseases and periodic health checkups.Conclusions:Generally speaking,Shanghai urban residents have the willingness to pay extra insurance premium for the Serious Illness Insurance.Under the premise of strengthening policy propaganda and enhancing residents awareness and recognition of the catastrophic disease insurance mechanism,the Serious Illness Insurance in Shanghai possesses the basis for coverage expansion and reimbursement improvement by adopting self-financing and personal payment.