An Empirical Analysis Of The Impact Of Family Demographic Structure On The Demand For Commercial Medical Insurance

Since the reform and opening up,China has actively promoted the establishment and improvement of three major medical insurance systems: urban basic medical insurance,new rural cooperative medical insurance and residents’ basic medical insurance.The medical security system has developed rapidly and formed a medical security framework covering the whole country.Commercial medical insurance system has been further improved and developed in this process,and has become an indispensable part of China’s medical security system.However,in the context of the deepening development of urbanization in China,coupled with the increasing gap between the rich and the poor and the transformation of family population structure,China’s medical security system at this stage also reflects a lot of inapplicability.Among them,the problems such as high medical expenses,shortage of medical resources,prominent contradiction between doctors and patients,difficult reimbursement of some imported drugs and weak insurance awareness of residents are very obvious.Since China entered the aging society in 2001,the proportion of the elderly continues to rise,the problem of low fertility rate is serious,and the structure of family population is facing great changes;what has changed is people’s lifestyle,attitude towards risk and ability to resist risk.To a certain extent,it will also change people’s understanding of commercial medical insurance and affect the demand for commercial medical insurance.This paper starts from the micro level to judge the influence mechanism between different family population structure and commercial medical insurance demand.This paper elaborates the changes of family population structure and the development of health insurance market in recent years.It is found that the number of newborn babies is decreasing every year,the number of elderly and the proportion of them are rising gradually;the problem of social aging and child reduction is becoming more and more serious,and the family rules are gradually showing a trend of reduction.Commercial medical insurance has developed steadily,but the overall scale is relatively small.At the same time,the types of unknown risks faced by different family population structure and the risk attitude towards unknown risks are different,so their demand for commercial medical insurance is different from that of the past.In the second half of this paper,the author combines the comprehensive social survey data of 2015 and logit regression model to carry out the implementation of the demand characteristics of different groups of commercial medical insurance in China The paper analyzes the influence of family structure and commercial medical insurance demand.The empirical results show that:(1)From the overall data,the proportion of people over 65 years old in the family and the total number of family members will negatively affect the public demand for social health insurance.By contrast,members under 14 in the family have a small impact.(2)From the perspective of residential areas,the total number of family population in rural areas has a more significant negative impact on commercial medical insurance.The proportion of the family members over 65 has a greater negative impact on the demand of commercial medical insurance brought by the families in urban areas.(3)From the perspective of family income level,middle-income families are more likely to have a negative impact on the demand for family commercial medical insurance because of the total family population.In contrast,the demand for commercial medical insurance of high-income families is more likely to have a negative change because of the proportion of the family population over 65 years old.(4)From the perspective of educational background,the total population of the family will have a great negative impact on the demand for commercial medical insurance of the family with educational background below University.When the family population is large,the demand for commercial medical insurance will be relatively small.For the people whose education background is not less than university degree,the proportion of family members who are not more than 14 years old will have a positive impact on the demand for family commercial medical insurance.Specifically,when the number of family members who are less than 14 years old is large,the family will also have higher demand for commercial medical insurance.The main innovations of this paper are as follows: firstly,the current research on commercial medical insurance usually starts from the level of economic factors,but this research is based on the family population structure to analyze the changes of social demand of commercial medical insurance.In addition,this paper also introduces the life cycle hypothesis,Maslow’s demand theory and behavioral economics theory This paper studies whether the change of family demographic structure may have an impact on risk perception ability and family consumption ability,so as to change the demand degree of commercial medical insurance.The other is the problem of sample selection.To analyze the social demand of commercial medical insurance from the perspective of family demographic structure,we usually use provincial panel data as support.However,this study fully refers to various relevant data of China’s comprehensive social survey,and understands the details of China’s family demographic structure through questionnaire survey,so as to judge commercial medical insurance from the micro level The influence mechanism between insurance and family population structure provides a new perspective for the study of commercial medical insurance demand in China.