Research On The Factors Of Demand For Commercial Health Insurance In Hebei Province

Health is not only a prerequisite for the people to pursue a happy life,but also a key factor for the country to become rich and strong.With the continuous improvement of China's living standards,the country has proposed a "healthy China" strategy,and residents have paid more attention to the management of health,which has created a good external environment for the operation of Hebei's commercial health insurance.However,in general,the demand for commercial health insurance in Hebei Province has not reached the required standard,and there is very little literature which research on the demand of commercial health insurance in Hebei Province.Based on the above situation,this article takes the demand of health insurance in Hebei Province as the research content,studies the impacting factors of health insurance demand in Hebei Province from both theoretical and empirical aspects,and finally puts forward some suggestions for the development of commercial health insurance in Hebei Province.This paper is divided into six chapters to conduct research:Chapter one is an introduction.Firstly,it expounds the research background of this paper.Secondly,it analysis the purpose,content and significance of this research and summarize the existing research results of health insurance.Chapter two is the relevant summary of commercial health insurance.It mainly explains the concept and role of commercial health insurance,and compares commercial health insurance with other personal insurance types and social medical insurance.Chapter three is a related theory of commercial health insurance needs.The Maslow's hierarchy of needs theory,utility theory and information asymmetry theory are introduced respectively,which is the theoretical basis of the full-text research.Chapter four is a theoretical analysis of the needs of commercial health insurance.The demand situation of commercial health insurance in China and Hebei Province are introduced,and the factors affecting the demand for commercial health insurance in Hebei Province are theoretically studied.Chapter five is an empirical study of the factors affecting the demand for commercial health insurance in Hebei Province.Seven indicators that may affect the demand for commercial health insurance in Hebei Province from 2000 to 2017 are collected and compiled.Eviews8.0 software is used for regression analysis and conclusions are drawn.Chapter six is a proposal to improve the level of commercial health insurance demand in Hebei Province.Based on the results of the previous analysis,some suggestions have been put forward from insurance companies,relevant government departments and consumers,hoping to promote the requirement of the commercial health insurance in Hebei Province.