Survey And Influencing Factors On The Demand For Commercial Health Insurance Of College Student Parents In Anhui Province

Commercial health insurance is an important supplement to my country’s medical insurance security the whole system Although China commercial health insurance has developed rapidly in recent years,the insurance depth and insurance density are relatively low,and there are still problems.Therefore,this thesis affecting the demand for commercial health insurance through the method of combining survey reports and empirical analysis.First of all,the main survey object selected in this paper is the parent group of college students in Anhui Province,because the rapid economic development of Anhui Province in recent years and the occupational stage of this group provide the purchasing power required for insurance needs,and the age group of this group is more likely to Risk awareness exists.Then a questionnaire is designed for this group based on theories such as insurance demand,which mainly includes three aspects: basic information,purchasers’ cognition of commercial health insurance,non-purchasers’ potential demand for commercial health insurance,through online dissemination and offline The survey was conducted in the form of distribution,and primary data was obtained,and descriptive statistical analysis was carried out on the basic information of the survey respondents,insurance cognition,and insurance demand based on the returned valid questionnaire data.On this basis,with some indicators of the surveyed object’s basic situation,insurance cognition,and current status of insurance products as explanatory variables,and whether to purchase commercial health insurance as the explained variable,a probit model is established for empirical analysis,and it is found that there is a significant impact on the demand for commercial health insurance.The main factors are the price types of insurance products and the publicity of insurance companies.Finally,according to the results of the investigation and empirical analysis,suggestions for promoting the development of commercial health insurance in Anhui Province are put forward.