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The Research On The Risk Preference And Health Insurance Behavior Of College Students

Posted on:2023-05-24Degree:MasterType:Thesis
Country:ChinaCandidate:M Y LiuFull Text:PDF
GTID:2544307097986419Subject:Insurance
Abstract/Summary:PDF Full Text Request
As an indepent part of Chinese social insurance,college students’ health insurance plays an irreplaceable role in protecting the risks of specific groups and developing the diversity of Chinese social insurance.However,since college students’ health insurance established,there have been many incredible phenomena.The author summarizes three questions,double insurance: purchasing both social insurance and college students’ health insurance;do not to know: who buying college students’ health insurance not using it;contradictory risk preference:low risk-averse people buy college students’ health insurance,while high risk-averse people do not buy college students’ health insurance or have insufficient protection.This paper is based on two data of college students in the whole China,mainly questionnaire data of college students in Hunan Province and the experimental data of college students in the university in Hunan.The study is divided into three steps,First,collected the basic information of college students’ insurance behavior and the health insurance knowledge level based on the data of questionnaire survey and pre-experimental test;Then,using a quasiexperimental research method.The research object is 82 college students in a university in Hunan,and the experimental group is divided into four groups with 20 people in each group;Finally,the different pre-test and post-test data obtained from different experimental groups are analyzed.After empirical analysis,there is concluded that(1)there is no significant difference between college students’ risk preference and their voluntary insurance purchase behavior,but there are still some contradictions in insurance application(2)some indirect health insurance related stimuli can improve college students’ health insurance knowledge level(3)Under the premise of the above conclusions,receiving multiple course-related stimuli cannot improve the health insurance knowledge level more than a single stimulus.Finally,based on the empirical analysis conclusions with aiming at the object of college students’ body risk management.this paper puts forward different policies and suggestions for colleges,governments and commercial insurance company.
Keywords/Search Tags:behavior economics, risk preference, college students’ health insurance, insurance behavior
PDF Full Text Request
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