摘要
基于中国健康与营养调查(CHNS)2015年调查数据,应用二元Logistic模型实证分析户主对家庭成员投保商业医疗保险的影响。结果显示,户主对家庭成员投保商业医疗保险存在显著影响,主要表现为:户主年龄对家庭成员投保商业医疗保险的影响呈先促进后抑制,户主的受教育年限对家庭成员的参保选择有显著的正向影响,户主的性别对家庭成员的参保选择影响不显著。结合控制变量的显著性,提出如下建议:精准市场,重点销售;产品设计,开拓老年市场;目标细分,产品差异化,以促进商业医疗保险发展,推动健康中国建设。
Based on the 2015 China Health and Nutrition Survey(CHNS)data,this paper uses the binary logistic model to analyze the influence of householder on family members'enrollment in commercial medical insurance.The results show that householder has significant effect on enrollment in commercial medical insurance for family members,mainly as follows:the effect on the age of householder on enrollment in commercial medical insurance for family members is first promoting and then inhibiting.The education years of householder has significant positive effect on choices of insurance enrollment for family members.The gender of the householder has no significant effect on the choice of family members.In this regard,this paper proposes some measures to promote the construction of a healthy China by advancing the development of commercial medical insurance,i.e.targeted marketing,key sales;product design;exploring the elderly market;customer segmentation and product differentiation.
出处
《保险职业学院学报》
2020年第1期45-49,共5页
Journal of Insurance Professional College
关键词
户主
商业医疗保险
参保选择
Householder
Commercial medical insurance
Choice of insurance participation
