温度如何推动医疗保险需求?
Yanran Chen1, Ruo Jia2, Xuezheng Qin2
1School of Economics, Capital University of Economics and Business, Beijing, China.
概括
极端的温度促使人们购买医疗保险. 无论是热还是冷都会增加需求,随着热的增加,需求也会增加.
科学领域:
- 环境健康 环境健康
- 行为经济学是一种行为经济学.
- 保险研究 保险研究
背景情况:
- 气候变化和极端温度对人类健康构成重大风险.
- 了解环境因素如何影响与健康相关的财务决策至关重要.
研究的目的:
- 研究异常温度事件对医疗保险购买行为的影响.
- 为了区分热与冷对保险决策的影响.
- 找出适度温度相关保险需求的因素.
主要方法:
- 利用专有数据集将危急病保险记录与每日气象数据联系起来.
- 采用统计分析来将温度变化与保险购买率相关联.
- 检查了先前与异常高温的经验,风险偏好和商业周期的影响.
主要成果:
- 热和冷都显著增加了购买医疗保险的费用.
- 热的影响归因于健康风险和异常热浪的突出性,随着经验的增长而减少.
- 低温并没有显示出类似的健康风险或突出效应的增加.
结论:
- 异常的温度,特别是热浪,显然会影响医疗保险决策.
- 突出效应在热量诱导的保险需求中起着关键作用,经验和适应性措施 (如空调) 调节了保险需求.
- 人口和职业因素 (如男性,老年人,户外工作者) 显示对热的敏感性较高.
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