心理的なコンストラクタと補完的な包括的な健康保険の好み:ハイブリッドの選択モデル
Qun Wang1, Jinnan Wang1, Shuwei Zhang2
1School of Public Administration and Policy, Dalian University of Technology, Dalian, China.
Health policy and planning
|August 21, 2025
まとめ
低所得国や中所得国では 医療保険の購入要因を理解することが重要です 保険制度の認知度が高くなると 保険の普及が増加し,認知価値が 保険の好みに 影響を及ぼし,特に 大惨事な病気の保険に加入します.
科学分野:
- 健康 経済
- 公衆衛生政策
- 行動経済学
背景:
- 低・中所得国 (LMIC) は,公衆衛生の資金不足により,健康支出に重大な課題に直面しています.
- 補完的な包括的な健康保険は,LMICにおける災害医療費の軽減に不可欠です.
- 心理的決定因子の理解が限られているため 医療保険の普及を妨げています
研究 の 目的:
- 中国における補完的な包括的な健康保険制度 (Huimin Insurance) の好みを分析する.
- 医療保険の購入決定に影響を与える心理的要因を含む主要な要因を特定する.
- LMICで効果的な健康保険製品を設計し,促進するための証拠を提供すること.
主な方法:
- 離散選択実験 (DCE) のデータを分析するためにハイブリッド選択モデルを使用した.
- 消費者洞察のためのプラットフォームであるKuRunDataからDCEデータを収集しました.
- 利益の寛大さ,政府の関与,スキームの認識,および認識された価値に関連する個人の好みを調べました.
主要な成果:
- 高い健康リスクを感じている人は 寛大な給付を好むが 政府の介入は好まない.
- 保険制度の認知度が高まると 購買傾向が高まり,高額な保険料を支払う意欲が高まり,低額な保険料の返済率が受け入れられるようになった.
- 認知価値が低い高い意識は,予防サービスを含む広範なカバーを好むことにつながりました.
結論:
- 心理的なコンストラクションは健康保険の購入決定に大きく影響します
- リスクの認識と認識に基づいた保険のデザインとプロモーションの調整は 採用に不可欠です
- Huimin Insuranceのような包括的な健康保険制度は 医療サービスが不足している人々にとって 特別な価値を持ち, 壊滅的な健康コストから保護するのに役立ちます.
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