摘要
已有研究关于新型农村合作医疗对农户商业医疗保险的影响是挤出效应还是促进效应存在争论。基于中国健康和营养调查(China Health and Nutrition Survey,CHNS)2004年～2009年的数据,运用双重差分(DID)方法和probit模型实证考察了农户商业医疗保险购买的影响因素以及新农合的快速推广对商业医疗保险需求的影响。实证结果发现,新农合与商业医疗保险之间先是替代关系,而后转为互补关系;并且年龄、是否患有慢性病、家庭规模和家庭收入对于商业医疗保险的需求均有着显著的负向影响,实证证据支持农户在商业医疗保险的购买中存在一定程度的逆向选择。
There are debates on whether the New-type Rural Cooperative Medical Care System（NCMS） crowds out or improves the rural demand for commercial medical insurance among existing research literature. Based on the data sets from 2004 to 2009 initiated by China Health and Nutrition Survey（CHNS） ,we used Difference in Difference method （DID） and probit model to investigate the factors affecting rural demands for commercial medical insurance and the effects of NCMS. The empirical results revealed that the NCMS and the commercial medical insurance changed from substitutes to complements. Furthermore, age, having chronic disease or not, family size and household income all had significant negative effects on the demand for commercial medical insurance, which supported the existence of adverse selection in commercial medical insurance.
出处
《保险研究》
CSSCI
北大核心
2013年第3期120-127,共8页
Insurance Studies
基金
中国保险学会2012年度研究课题
教育部人文社科青年基金项目(12YJC790217)
中国人民大学研究生科学研究基金项目的资助
关键词
新农合
商业医疗保险
多层次医疗保障体系
逆向选择
NCMS
commercial medical insurance
multi-level medical security system
adverse selection
