上海市大学生“沪惠保”参保率的影响因素和提升策略研究

Study on the Factors Influencing the Participation Rate of University Students in Shanghai “Huhuibao” Insurance and the Strategies to Improve It

自“沪惠保”被推出后,其亲民的价格和丰富的保障吸引了许多市民参保,但投保“沪惠保”的大学生仍为少数。本研究应用层次分析法和Logistic回归分析法,分析各因素对参保率的影响。调查发现影响上海大学生“沪惠保”参保率的主要因素有:“沪惠保”相关、个人信息和对保险及自身的认识情况。提升策略有:优化“沪惠保”内容、提高大学生参保意识、加强“沪惠保”的宣传。

Since the introduction of Shanghai “Huhuibao” Insurance, its affordable price and abundant cover-age have attracted many people to take out the policy, but the number of university students taking out Shanghai “Huhuibao” Insurance is still a minority. This study applied hierarchical analysis and logistic regression analysis to analyze the influence of various factors on the participation rate. The study found that the main factors affecting the participation rate of Shanghai university students in the Shanghai “Huhuibao” Insurance are: the Shanghai “Huhuibao” Insurance related, personal in-formation and knowledge of insurance and themselves. Strategies for improvement include: opti-mising the content of SHI, raising awareness among university students, and strengthening the publicity of SHI.