A Novel Coronavirus Pneumonia Demand Investigation Of Commercial Health Insurance In Anyang

With the improvement of economic level and the acceleration of the pace of social life,physical health has increasingly become the focus of residents’ attention.Disease is an inevitable risk in one’s life,and health is the most common demand of people’s livelihood.Medical security plays an important role in resolving people’s worries about disease and improving the health quality of the whole people.Although China has initially established a multi-level medical insurance system,there are still structural defects of unbalanced and insufficient development.With the maturity and finalization of the basic medical insurance system,people pay more and more attention to commercial health insurance.In order to encourage the rapid development of commercial health insurance,the state has issued documents several times to support commercial insurance to give full play to its management and professional advantages and actively participate in the construction of multi-level medical security system.The outbreak of novel coronavirus pneumonia in the early 2020 has spread to the whole country,causing panic among the majority of the population.This epidemic has made residents aware of the importance of health and stimulated the residents’ demand for health insurance and medical services.According to the data,the total premium of health insurance premiums in Henan in 2020 was 51 billion 500 million yuan,up 10.4%over the same period last year.In 2020,the premium income of Anyang health insurance was 1.619 billion yuan,a year-on-year increase of 19.39%,of which the premium income of health insurance in March 2020 was 470 million yuan,a month on month increase of 65%.Whether at present or in the future,the epidemic has played a role in promoting the improvement of residents’ willingness to insure to a certain extent.In view of this,this paper takes the residents of Anyang City as the survey object,understands the residents’ cognition of commercial health insurance before and after the epidemic from the individual micro perspective,analyzes the factors affecting the residents of Anyang City to buy commercial health insurance through questionnaire survey,and finally comes to the conclusion that the significant factors affecting the willingness to buy commercial health insurance are the respondents’ age,education level The monthly disposable income,the conservatism of insurance companies,the scientificity and accuracy of insurance product design,the knowledge accomplishment of professionals in commercial health insurance,the service level of claims personnel,and the background factors of COVID-19,the residents raised their awareness of insurance,changed the demand for commercial health insurance,and increased the insurance intention of commercial health insurance.Finally,based on the empirical analysis of these influencing factors,this paper puts forward corresponding countermeasures and suggestions from the three aspects of government,insurance companies and consumers,so as to promote the better development of commercial health insurance in Anyang City in the future.