将离散选择实验纳入长期护理保险决策:来自中国的证据
Qian Chen1,2, Yuting Dong1, Xinyue Lyu2
1School of Government, Yunnan University, Kunming, China.
Frontiers in public health
|March 5, 2025
概括
大多数人愿意购买长期护理保险 (LTCI). 首选特点包括25%的自付费率,2000元人民币的月度福利,以及为可持续的LTCI发展提供三个月的淘汰期.
科学领域:
- 卫生经济学 卫生经济学
- 社会政策 社会政策 社会政策
- 老年学是指老年学的学科.
背景情况:
- 人口快速老龄化使新兴经济体需要长期护理保险 (LTCI).
- 中国正在开发其LTCI框架,并正在进行试点项目.
- 了解公众偏好对于确定LTCI政策至关重要.
研究的目的:
- 检查潜在的入学者对LTCI属性的偏好.
- 为中国正在发展的LTCI计划进行政策调整提供信息.
- 加强LTCI的参与和可持续性.
主要方法:
- 离散选择实验 (DCE) 来评估LTCI属性.
- 混合逻辑模型用于确定偏好和支付意愿 (WTP).
- 基于身体健康状况的异质性分析.
主要成果:
- 观察到购买LTCI的意愿很高.
- 首选属性:25%的自付利率,2000元人民币的最大月度福利,3个月的淘汰期.
- 婚姻状况,自我评估的健康状况和孩子的数量影响了选择.
结论:
- 调查结果为改进LTCI政策提供了一个参考.
- 解决偏好问题可以增加居民参与.
- 支持长期护理保险的可持续发展.
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