已婚夫妇的长期护理保险:不能保险一个没有另一个吗?
Norma B Coe1,2, R Tamara Konetzka3, Chuxuan Sun4
1Department of Medical Ethics and Health Policy, Perelman School of Medicine, University of Pennsylvania, Philadelphia, PA USA.
概括
长期护理保险 (LTCI) 的需求较低,部分原因是夫妇对长期护理保险的需求较低.
科学领域:
- 老年学是指老年学的学科.
- 卫生经济学 卫生经济学
- 社会学 社会学 社会学
背景情况:
- 长期护理 (LTC) 是美国老年人面临的重大财务风险.
- 尽管存在这种风险,私人长期护理保险 (LTCI) 的需求仍然很低.
- 现有的研究还没有充分探讨基于夫妇的购买决策.
研究的目的:
- 调查夫妻之间的财务决策权对LTCI购买决策的影响.
- 根据性别角色和谈判权力,分析已婚夫妇之间的LTCI购买模式.
主要方法:
- 在已婚夫妇中分析LTCI购买数据.
- 基于女性的谈判能力,男性和女性购买概率和覆盖率的比较.
主要成果:
- 购买LTCI产品的可能性大致相等,只针对女性,只针对男性,或两者兼而有之.
- 拥有更大的女性谈判权力的夫妇显示了更高的LTCI总体购买率.
- 当女性拥有更大的家庭内谈判权力时,她们更有可能被LTCI覆盖.
结论:
- 家庭内部的谈判能力是影响LTCI购买决策的重要因素.
- 谈判权力的差异可能导致LTCI的整体吸收率较低,尤其是女性.
- 调查结果表明,对解决夫妇内LTCI负担能力和可访问性的政策影响.
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