Investigation And Research On The Willingness To Apply For Inclusive Insurance

With the improvement of the overall level of our country’s social economy,the rising level of national consumption,the advancement of consumption concepts,the material needs in daily life are gradually being met,and more attention is attached to physical health management.People’s increased health awareness and they are not only focused on diet,exercise,mental health,etc.,but also gradually realizes that relying solely on the protection of the basic social medical system cannot further meet the needs of individuals for health management.In 2009,China clearly proposed to build a multi-level medical security system,as a supplement to basic medical insurance,commercial health insurance has been given a high development orientation.Subsequently,China has introduced policies to promote and support the development of commercial health insurance.,and commercial health insurance can provide better and more humanized services for people with diverse needs.Traditional commercial health insurance has a high insurance amount,but it is also accompanied by strict requirements such as high health requirements,premiums increasing with age,and no insurance qualifications after reaching a certain age,making residents with low income levels or commercially available health insurance products that meet the conditions.There is no suitable commercial health insurance product available for the people participating in the insurance requirements,which reflects the gap between commercial health insurance and basic medical insurance.Under the concept of inclusive finance,inclusive insurance also emerged as the times require,aiming to provide health services for low-and middle-income groups and become the glue that bridges the gap between the development of basic medical insurance and commercial health insurance.Inclusive insurance has appeared in 2015,nearly 30 provinces have launched urban-customized inclusive insurance by 2021,which is developing rapidly,but the development of inclusive insurance lags behind policy laws.Under the hot insurance situation of inclusive insurance,there are also many problems that need to be improved.Exploring the demand factors of residents for inclusive insurance can provide suggestions and countermeasures for the development of urban inclusive insurance that has sprung up in recent years.This thesis is divided into seven parts: The first part of the introduction introduces the research purpose and significance of this thesis,organizes the definition of domestic and foreign inclusive insurance,existing problems and suggestions in its development,etc.,and introduces the research methods and innovations of this thesis.The second chapter introduces the inclusive insurance and summarizes the development status.The third chapter introduces the various levels of the multi-level medical security system,focuses on the commercial health insurance as a supplementary layer,and compares three representative types of insurance.The research in this thesis takes "Beijing Inclusive Health Insurance" as an example.There are two inclusive insurance products in Beijing,so Chapter4 introduces the two existing inclusive insurance products in Beijing,and compares them from multiple perspectives.The analysis of this thesis mainly discusses the real insurance situation and insurance willingness of Beijing residents to Beijing Inclusive Health Insurance by making and distributing questionnaires.After analyzing the questionnaire data,the fifth chapter introduces the details of the questionnaire,including the design of the questionnaire,Analysis of questionnaire data,etc.Chapter VI uses SPSS24 software to further analyze the collected questionnaire data.The seventh chapter combines the previous summary and the results of the survey on the willingness to buy insurance,analyzes the problems existing in the development of inclusive insurance,and proposes optimization suggestions.