The Analysis on the Influence Factors of Commercial Health Insurance Demand Based on the Model of Cross-sectional Fixed Effect / 中国卫生经济

ABSTRACT

Objective:To analyze the main influencing factors of China's commercial health insurance demand and promote the development of China's health service industry.Methods:Based on the panel data of 31 provinces and cities in China from 2009 to 2015,the model of cross-sectional fixed effect was constructed to conduct empirical analysis on the main influencing factors of China's commercial health insurance demand.Result and Conclusion:More significant influences on commercial health insurance demand factors were urban per capita disposable income,per capita urban employee basic medical insurance fund income,elderly population bring-up ratio and per capita outpatient expenses.For the basic medical insurance of urban employees,the urban employee medical insurance had significant effect on the demand of commercial health insurance.For the basic medical insurance of urban residents,the income impact was more prominent.The proportion of graduates of general institutions of higher learning had few influence commercial health insurance.