空气污染对商业健康保险需求的影响——基于秦岭淮河地区的实证研究

The Impact of Air Pollution on the Commercial Health Insurance Demand——Empirical Research Based on Qinling Mountains-Huaihe River Region

使用2011年至2016年秦岭淮河地区84个地级市的宏观数据,基于模糊断点回归设计和中国北方集中供暖政策的准自然实验,估计了空气污染对中国居民商业健康保险需求的影响。研究结果显示:空气污染对商业健康险需求有显著的正向影响,空气污染指标PM2.5污染物的排放浓度每提升1%,商业健康保险密度提高1.098%,更换六种不同污染物指标,估计结果仍然接近;从2013年开始,我国发生大范围持续的雾霾天气,伴随着新闻媒体报道频率增多,居民对空气污染的敏感度与重视度逐渐增强,并体现在对商业健康保险的购买上。研究结果对我国污染防治和健康中国建设提供理论基础,对保险公司关于商业健康保险和绿色保险的创新与研发提供定量分析和参考价值。

Using the macro data of 87 cities in Qinling Mountains-Huaihe River region from 2011 to 2016, based on the fuzzyre gression discontinuity design and the quasi-natural experiment of central heating policy in northern China to analyze the impact of air pollution on the commercial health insurance demand. The results show that:(1) Air pollution has a significant positive impact on the demand of commercial health insurance and commercial health insurance density increases by 1.258% when the PM2.5 emission concentration increases by 1%;(2) Since 2013, a large-scale continuous haze weather occurred in China and the frequency of news media reports has become more and more, residents’ sensitivity and attention to air pollution are gradually increasing, which is reflected in the purchase of commercial health insurance. The results provide a theoretical basis for China’s pollution prevention and Health China construction and provide quantitative analysis and reference value for the innovation and development of commercial health insurance and green insurance for insurance companies.