Study On The Impact Of Population Structure On The Demand For Commercial Health Insurance In Hunan Province

Since China’s reform and opening up,the social and economic system has undergone great changes,and the population structure has also undergone great changes accordingly.The change of population structure drives more and more new consumers to buy commercial insurance,and gradually becomes the main force of new purchase of commercial insurance.In the period of demographic dividend disappearing and transition,we are more inclined to increase our own health and medical security expenditure,and change our personal health risk awareness into the behavior of buying commercial health insurance.There is no doubt that demographic changes have increased the demand for health insurance,as well as for commercial health insurance.Hunan province is a central province with large population and population structure changes.This paper takes Hunan province as the research object to study the impact of the province’s population structure on the demand for commercial health insurance,and demonstrates how the population structure has an impact on the demand for commercial health insurance in Hunan Province.Suggestions on how to increase the demand for commercial health insurance are also provided.Based on the background of the population structure changes of the previous censuses in Hunan Province and the current situation of commercial health insurance in Hunan Province,this paper combines domestic and foreign research on the impact of commercial health insurance demand,starting from theoretical and empirical analysis,and analyzes the population that affects the demand for commercial health insurance.The structure is analyzed and studied in a holistic and systematic manner.In terms of theoretical research,the related concepts and impact mechanisms of population structure and commercial health insurance are expounded in detail.In terms of empirical analysis,the decision laboratory method(DEMATEL)was first used to select a key factor from the three major types of population structure according to their weights,namely,the dependency ratio of the elderly population,the education level and the urbanization rate.A VAR vector autoregressive model was established based on the key factors,and the results of the model were analyzed by using the relevant data of the population structure and commercial health insurance in Hunan Province in the past 20 years.All will have varying degrees of impact on the demand for commercial health insurance.Finally,on the basis of the above analysis,specific suggestions and measures are put forward to promote commercial health insurance in Hunan Province from the perspective of insurance institutions and the government.