金融知识和私人医疗保险:年龄是否重要?
Inmaculada Aguiar-Díaz1, María Victoria Ruiz-Mallorquí1
1Department of Financial Economics and Accounting, Faculty of Economy, Business and Tourism, University of Las Palmas de Gran Canaria, 35001 Las Palmas, Spain.
Healthcare (Basel, Switzerland)
|October 28, 2023
概括
更高的财务知识,特别是先进的知识,促进了私人医疗保险的普及,特别是在中年和老年人中. 年龄调节了这种金融知识与保险的关系.
科学领域:
- 卫生经济学 卫生经济学
- 行为经济学是一种行为经济学.
- 公共卫生政策 公共卫生政策
背景情况:
- 财务知识与私人医疗保险 (PHI) 决策之间的关系尚未得到充分探索.
- 现有的研究往往使用有限的金融知识,如计算能力.
- 年龄在这种关系中的调节作用需要进一步研究.
研究的目的:
- 检查金融知识 (FK) 与私人医疗保险 (PHI) 的决定之间的关联.
- 调查基本与高级FK对PHI的影响差异.
- 为了确定年龄如何影响FK-PHI关系.
主要方法:
- 来自西班牙银行2016年金融竞争调查的大型数据集 (n=8055) 的分析.
- 将金融知识分为基本和高级级别,超越简单的算术指标.
- 基于FK水平和年龄人口统计数据的统计建模来评估持有PHI的概率.
主要成果:
- 先进的财务知识显著增加了个人持有私人医疗保险的可能性.
- 财务知识和PHI之间的积极关联仅对中年和老年人有意义,而不是年轻或成年人.
- 年龄起到重要的调节作用,证实了区分FK水平和年龄组的必要性.
结论:
- 对于中年和老年人来说,先进的财务知识是他们决定购买私人医疗保险的关键决定因素.
- 了解金融素养,年龄和医疗保险选择之间的微妙相互作用,可以为有针对性的公共卫生和金融教育政策提供信息.
- 提高财务知识,特别是在老年人群中,可能有助于改善健康和财务福祉.
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