Analysis Of The Impact Of Family Population Aging On The Demand For Commercial Health Insurance

The problem of population aging not only has a certain impact on society,but also has a great impact on families.Modern families are plagued by problems such as the increased probability of illness of the elderly,the rise of medical expenses,and the difficulty of nursing the disabled or semi disabled elderly.The change of family size and population structure reduces the overall anti risk ability of families.At this time,buying commercial health insurance has become an effective measure for families to transfer the health risks of the elderly.Based on the data of the household financial Survey(2017),this thesis explores the impact mechanism of family population aging on the demand for commercial health insurance from the micro family level.At the same time,I add demographic factors and family factors as regulatory variables,further deepen the research of previous scholars,and explore the role of specific variables such as education,risk attitude,happiness,income and assets in the process of family population aging affecting the demand for commercial health insurance.The theory shows that the aging of the family population will promote the demand for commercial health insurance,and the aging will promote the improvement of insurance awareness and the change of risk preference.The potential health risks of the elderly increase the demand for commercial health insurance.The empirical analysis shows that education,income and asset level play a positive regulatory role,risk attitude plays a negative regulatory role,and the regulatory effect of happiness is not obvious.Finally,according to the research results,four suggestions are put forward: first,strengthen the positive image of insurance and improve residents’ insurance awareness;Second,improve the supply quality of insurance products to meet the diversified needs of residents;Third,subsidies should be given to commercial health insurance to improve residents’ purchasing power;Fourth,improve the specialization level of insurance companies and promote the sound development of health insurance market.