空气污染和防御行为:来自中国交易数据的证据
1School of Finance, Southwestern University of Finance and Economics, Chengdu, Sichuan, China.
PloS one
|November 7, 2024
概括
高空气污染率 (AQI) 推动医疗保险购买,特别是当AQI超过200时. 这种与健康意识相关的防御行为,代表了相当大的年度收入成本.
科学领域:
- 环境健康 环境健康
- 卫生经济学 卫生经济学
- 行为经济学是一种行为经济学.
背景情况:
- 在全球范围内,空气污染对健康构成重大风险.
- 了解公众对环境危害的反应至关重要.
- 医疗保险是管理健康风险的关键金融工具.
研究的目的:
- 实证地研究空气污染与购买医疗保险之间的关系.
- 量化空气质量指数 (AQI) 对保险销售的影响.
- 探索这种防御性行为的潜在驱动因素.
主要方法:
- 利用来自中国一家主要保险公司 (2014-2018) 的交易级数据.
- 分析了19个城市的50多万份保险合同.
- 使用计量经济学分析来确定AQI和保险销售之间的相关性.
主要成果:
- 在AQI上升10%与每日医疗保险销售额上升0.37%相关.
- 空气污染对保险购买的影响是非线性的,在AQI 200以上就会加剧.
- 据估计,空气污染的年度防御成本约为个人收入的1.70%每单位AQI增加.
结论:
- 空气污染显著影响购买医疗保险的决定.
- 健康管理意识和社会互动是这种行为的关键驱动力.
- 调查结果强调了空气污染对个人和保险市场的经济负担.
更多相关视频
09:33Visualizing Field Data Collection Procedures of Exposure and Biomarker Assessments for the Household Air Pollution Intervention Network Trial in India
Published on: December 23, 2022
2.2K
14:55Evaluating the Effect of Roadside Parking on a Dual-Direction Urban Street
Published on: January 20, 2023
3.2K
相关概念视频
Aggression
27.7K
Humans engage in aggression when they seek to cause harm or pain to another person. Aggression takes two forms depending on one’s motives: hostile or instrumental. Hostile aggression is motivated by feelings of anger with intent to cause pain; a fight in a bar with a stranger is an example of hostile aggression. In contrast, instrumental aggression is motivated by achieving a goal and does not necessarily involve intent to cause pain (Berkowitz, 1993); a contract killer who murders for...
27.7K
Social Traps
22.3K
Social traps are negative situations where people get caught in a direction or relationship that later proves to be unpleasant, with no easy way to back out of or avoid. The concept was orignally introduced by John Platt who applied psychology to Garrett Hardin's "Tragedy of the Commons", where in New England herd owners could let their cattle graze in the common ground. This situation seems like a good idea, but an individual could have an advantage. If they owned...
22.3K
Naturalistic Observations
15.4K
If you want to understand how behavior occurs, one of the best ways to gain information is to simply observe the behavior in its natural context. However, people might change their behavior in unexpected ways if they know they are being observed. How do researchers obtain accurate information when people tend to hide their natural behavior? As an example, imagine that your professor asks everyone in your class to raise their hand if they always wash their hands after using the restroom. Chances...
15.4K
Relationship Formation
39.8K
What do you think is the single most influential factor in determining with whom you become friends and whom you form romantic relationships? You might be surprised to learn that the answer is simple: the people with whom you have the most contact. This most important factor is proximity. You are more likely to be friends with people you have regular contact with. For example, there are decades of research that shows that you are more likely to become friends with people who live in your dorm,...
39.8K
Social Proof
27.5K
Social proof is a form of persuasion based on comparison and conformity. People compare their behavior and actions to what others are doing and will change to conform to do what their peers do.
27.5K
