普惠型补充医疗保险续保意愿及其影响因素研究

Research on the Intention to Renew Inclusive Supplementary Medical Insurance and Its Influencing Factors

目的:从个体行为角度探索普惠型补充医疗保险的续保问题及其影响因素。方法:利用来自17 229名普惠型补充医疗保险参保人的调查数据,基于安德森模型框架,研究参保人续保意愿的影响因素。结果:81.44%的被调查参保人愿意续保;对产品服务感知、是否享受过赔付是影响续保意愿的重要因素。结论:参保人对产品服务感知是影响普惠型补充医疗保险续保意愿的核心因素,完善配套健康服务功能迫在眉睫。普惠型补充医疗保险与传统商业健康保险并没有相互挤占,在基本医疗保险与商业健康保险之间形成有效衔接,共同服务于多层次医疗保障体系的完善。

Objective:It discusses the renewal of inclusive supplementary medical insurance and its influencing factors from the perspective of individual behavior.Methods:Survey data of 17 229 enrollees was used,and the influencing factors of renewing insurance were discussed based on the Anderson model.Results:The results showed that 81.44% of respondents were willing to renew their insurance.The perception of services and whether to obtain compensation are critical factors influencing the intention to renew insurance.Conclusion:It argues that the perception of the service is the core factor affecting the choice to continue the inclusive supplementary medical insurance.It is urgent to strengthen the supporting health service function.The inclusive supplementary medical insurance and the traditional commercial health insurance do not occupy each other.It forms a clear connection between basic medical insurance and private health insurance and jointly serves the perfection of the multi-level medical security system.