An Empirical Study Of The Factors Influencing The Demand For Commercial Health Insurance In Guangdong Province

Health issues have always been a topic that people cannot ignore.Promoting elderly care,basic medical care,and social security to ensure people’s health is an important measure of the government’s vigorous promotion of people’s livelihood and happiness projects.The state and residents are paying more and more attention to health,and the demand for commercial health insurance will also show great potential.In economics,the demand needs to satisfy the demand side.It must have both the willingness to purchase and the ability to pay.The above two conditions must be met to form an effective demand.By means of marketization,not only can the problem of balance between supply and demand be reasonably solved,but also the financial burden of the country can be reduced,and public resources can be effectively saved.This article explores the factors that affect the demand for commercial health insurance,in order to effectively use the market space of commercial health insurance and release the potential demand for commercial health insurance.It also has theoretical significance and practical significance for promoting the improvement of China’s medical security system and the development of commercial health insurance.This thesis uses a panel data model to select data from 21 prefecture-level cities in Guangdong Province from 2008 to 2018.The explanatory variables are based on theoretical analysis and the availability of data.The levels of urbanization,disposable income of urban residents,number of people covered by medical insurance,and health care consumer price index and gender ratio were selected.Taking commercial health insurance density as the explanatory variable,the level of urbanization and income level can promote the development of commercial health insurance in Guangdong Province.In addition,with the increase in expenditure on medical care,residents’ demand for commercial health insurance in Guangdong has also increased.Finally,based on the qualitative and quantitative analysis in Chapters 3 and 4,and the empirical results in Chapter 5,some related suggestions are put forward,namely,the government should strengthen economic development,increase people’s income level,policy guidance and support to promote the integration of medical insurance and enrich business health Insurance business entities,etc;Insurance companies should strengthen product innovation and professional management,and attach importance to the cultivation of professional talents.