风险感知与商业健康保险参与

Perception of Risk and Commercial Health Insurance Participation

基于中国家庭金融调查(CHFS)数据,本文探讨不同层面的风险感知对家庭商业健康保险参与决策的影响。研究发现,风险感知水平的提高显著增加家庭商业健康保险新增参与可能性及新增参与程度;风险态度在二者关系中的调节作用呈现异质性,对家人住院的风险感知,风险厌恶的正向调节作用显著,但对于主观程度更强的户主自评健康变化的风险感知,这种调节作用不显著。因此,普及健康风险感知教育,有助于激发商业健康保险需求,推动商业健康保险市场发展。

Using the China Household Finance Survey data,this paper analyzes the impact of perception of risk on the commercial health insurance participation from different aspects.The results show that risk perception has significantly increased the probability and degree of new participation in household commercial health insurance.The moderating effects of risk attitude in the relationship between the two are heterogeneous.The positive moderating effect of risk aversion is significant for the risk perception of hospitalization among family members,but this moderating effect is not significant for the risk perception of household head's self-rated health changes with stronger subjective levels.