Research On The Influential Factors Of Commercial Health Insurance Demand In China

With the development of economy and society in our country,the people's income level has increased year by year.In the context of medical expenses rising,the rise in the prevalence of chronic diseases and other prominent problems,social medical insurance has been unable to meet the diverse needs of people.Now China's commercial health insurance market began to show their own advantages and roles.And certain results have been achieved,but the overall market is still not mature enough.From the current situation,there are two sides of the demand for commercial health insurance in our country: First,there are a lot of potential demand in the insurance market;the second is the lack of effective demand for health insurance,or individual investment in commercial health insurance will not be strong.What are the factors that can significantly affect the potential needs of individual consumers into actual needs,through which methods can identify these factors and add validation,and can put forward the corresponding improvement proposals,these issues will be the focus of this paper.This article will be based on the domestic and foreign scholars to learn from the basis of individual consumers from the micro perspective,the individual demand for commercial health insurance as a research object,the use of purchasing decision theory and Maslow demand theory as a theoretical basis for questionnaire design,In the selection of the actual sample,this paper take the small and medium-sized cities as the research sample,select Weihai City,Shandong Province as a sample site to investigate the form of the questionnaire to dig out the residents of the relevant information on commercial health insurance,from the respondents personal factors,cognitive factors,economic factors,the health factors and the conceptual factors.Then,through the statistical description of the questionnaire,the chi-square test and the logistic regression,the empirical analysis of the survey data shows that the main factors influencing the development of commercial health insurance are personal factors and the cognitive of factors,and then to the government,insurance companies how to improve the consumer to buy commercial health insurance measures and how consumers should treat their own commercial health insurance,so as tothe future healthy development of commercial health insurance to provide an important reference.The main conclusions of this paper are as follows: the degree of understanding of health insurance in cognitive factors will have a positive effect on the demand of commercial health insurance;the marital status in personal factors has a negative correlation with commercial health insurance demand.Concept factors and economic factors that are not significantly affected are likely to be related to the traditional concept of the family;the main reason for the lack of significant health factors may be that people are satisfied with their own health and lack adequate health checks.On the policy suggestion,this paper is based on the government level,the insurance company and the consumer's own level to improve the consumer's demand for commercial health insurance were explored.The government should vigorously promote the preferential policies to strengthen the insurance awareness education;insurance companies should also increase health insurance products supply,the need to crowd and increase publicity efforts;consumers should establish a sense of credit,clear their own needs.