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Analysis on the Influencing Factors of Demand for Commercial Health Insurance

In: Proceedings of the 8th International Conference on Financial Innovation and Economic Development (ICFIED 2023)

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  • Xiaohan Wang

    (City University of Hong Kong)

Abstract

The Healthy China strategy has made the concept of health increasingly popular and also promoted the progress of China’s insurance industry, especially the development of health insurance. However, the comprehensive development level of China’s commercial health insurance industry is still far behind that of developed countries, and there is still a long way to go for China’s insurance industry. This essay focuses mostly on the affecting factors of the demand for commercial health insurance. The explained variable in this paper is the premium income of China’s commercial health insurance, and its influencing factors the per capita disposable income of urban residents, the proportion of government medical and health expenditure in fiscal expenditure, the insurance depth, the aging rate, and the urbanization rate are set as the explanatory variables, and a regression model is established. The empirical study demonstrates that the commercial health insurance premium income is positively correlated with per capita disposable income of urban residents and insurance depth, and negatively correlated with the proportion of government medical and health expenditure in fiscal expenditure. Finally, this paper concludes with some useful policy suggestions.

Suggested Citation

  • Xiaohan Wang, 2023. "Analysis on the Influencing Factors of Demand for Commercial Health Insurance," Advances in Economics, Business and Management Research, in: Yushi Jiang & Guangming Li & Wilson Xinbao Li (ed.), Proceedings of the 8th International Conference on Financial Innovation and Economic Development (ICFIED 2023), pages 68-77, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-142-5_8
    DOI: 10.2991/978-94-6463-142-5_8
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