心理构造和对补充包容性健康保险的偏好:混合选择模式
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
概括
了解购买医疗保险的驱动因素对于低收入和中等收入国家来说至关重要. 更高的保险意识增加了保险的使用率,而感知价值则影响了福利偏好,特别是在灾难性疾病保险方面.
科学领域:
- 健康经济学
- 公共卫生政策
- 行为经济学
背景情况:
- 由于公共卫生资金不足,低收入和中等收入国家 (LMIC) 面临重大卫生支出挑战.
- 补充包容性医疗保险对于减轻中小收入国家灾难性医疗支出至关重要.
- 人们对心理决定因素的理解有限,
研究的目的:
- 分析中国对补充包容性医疗保险计划 (惠民保险) 的偏好.
- 确定影响医疗保险购买决策的关键因素,包括心理因素.
- 提供有效的医疗保险产品设计和推广的证据.
主要方法:
- 使用混合选择模型分析离散选择实验 (DCE) 数据.
- 收集来自KuRunData的DCE数据, 这是一个消费者洞察平台.
- 检查了与福利慷慨,政府参与,计划意识和感知价值有关的个人偏好.
主要成果:
- 那些认为健康风险较高的人更喜欢更慷慨的福利,
- 增加计划的认识与更高的购买倾向,愿意支付更高的保险费和接受更低的退款率有关.
- 高度的认识与低的感知价值导致人们更倾向于扩大覆盖范围,包括预防服务.
结论:
- 心理构造对购买医疗保险的决定有很大影响.
- 根据风险感知和意识定制保险设计和推广至关重要.
- 像Huimin保险这样的包容性医疗保险计划对缺乏服务的人群具有特别的价值,
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