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How Temperature Drives Health Insurance Demand?
Yanran Chen1, Ruo Jia2, Xuezheng Qin2
1School of Economics, Capital University of Economics and Business, Beijing, China.
Summary
Extreme temperatures drive health insurance purchases. Both heat and cold increase demand, with heat
Area of Science:
- Environmental Health
- Behavioral Economics
- Insurance Studies
Background:
- Climate change and extreme temperatures present significant risks to human health.
- Understanding how environmental factors influence health-related financial decisions is crucial.
Purpose of the Study:
- To investigate the impact of abnormal temperature events on health insurance purchasing behavior.
- To differentiate the effects of heat versus cold on insurance decisions.
- To identify factors that moderate temperature-related insurance demand.
Main Methods:
- Utilized a proprietary dataset linking critical illness insurance records with daily meteorological data.
- Employed statistical analysis to correlate temperature variations with insurance purchase rates.
- Examined the influence of prior experience with abnormal heat, risk preferences, and business cycles.
Main Results:
- Both heat and cold significantly increase health insurance purchases.
- Heat's impact is attributed to health risks and the salience of abnormal heatwaves, diminishing with experience.
- Cold temperatures did not show a similar increase in health risks or salience effect.
Conclusions:
- Abnormal temperatures, particularly heatwaves, demonstrably influence health insurance decisions.
- The salience effect plays a key role in heat-induced insurance demand, moderated by experience and adaptive measures like air conditioning.
- Demographic and occupational factors (e.g., males, elderly, outdoor workers) show heightened sensitivity to heat.
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