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A firm-level analysis of Chinese commercial health insurance surrender

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Listed:
  • Ling Tian
  • Haisong Dong

Abstract

Based on the unbalanced panel data of Chinese professional health insurance companies from 2011 to 2021, the paper constructs "PW+PCSE" model to empirically investigate the main factors affecting the commercial health insurance surrender in China from the company level. The results show that asset-liability ratio has a significant positive effect on health insurance surrender rate. The value preservation and appreciation rate of capital and R&D expenditure rate both have significant negative effects on health insurance surrender rate. These studies bring important enlightenment for domestic health insurance companies to avoid surrender risk.

Suggested Citation

  • Ling Tian & Haisong Dong, 2024. "A firm-level analysis of Chinese commercial health insurance surrender," PLOS ONE, Public Library of Science, vol. 19(3), pages 1-14, March.
    • Handle: RePEc:plo:pone00:0296695
    DOI: 10.1371/journal.pone.0296695
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    References listed on IDEAS

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