Study On Payment Ability And Requirement Desire Of Rural Residents For Medical Insurance In Zhejiang

Rural medical security is always one of important problem of "three agricultures". However, the rural residents, which account for 60% of the total population, only enjoy less than one third of medical service.With the medical price rising, increase of medical expense of rural residents is far beyond their income. So it is great theoretical and practical significance for studying on rural medical insurance.According to the econometrics demand function theory, this paper systematically studies on payment ability and requirement desire of rural residents for medical insurance in Zhejiang province. Firstly, this article uses the expending structure data of rural residents in Zhejiang from 1985 to 2006 to evaluates the payment ability of rural residents for medical insurance by ELES (the Extended Linear Expenditure System).The main research results are as follows:1.From comparative analysis of three stages by ELES, the income of peasant household in each stage is enough to buy health insurance and their payment ability was constantly strengthening with the passage of time.2.Except low-income peasants ,most of rural residents have enough payment ability for medical insurance.3. About 4.5% of peasants have no payment ability, 15.9% have certain payment ability and 79.6% have good payment ability. 4.In the group of good payment ability ,about 79.59% of peasants can keep at less 95.4 yuan for medical insurance without change any expending structure.Secondly, the person who has payment ability not means he also has requirement desire. Therefore, this article uses the model of Logistic to analyze requirement desire of rural residents. The result showes that besides the factors of payment ability which contain income and affordability of premium, health status, degree of trust and other factors will also affect requirement desire of rural residents. Therefore income growth is not the only way to improve rural medical security, appropriate insurance products and effective system should also be provided for peasants in Zhejiang,Finally, aiming at the problem of strong payment ability and requirement desire deficiency in Zhejiang, this article advise that different countries should combine with their different economic development level, income level and other factors to carry out health microinsurance. Besides, this article also designs products and running mode of health microinsurance for different area.