人口老龄化是否影响商业健康保险需求
Does population aging affect the demand for commercial health insurance
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| DOI |
10.12208/j.ijmd.20250020 |
| 刊名 |
International Journal of Medicine and Data
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| 年，卷(期) |
2025, 9(2) |
| 作者 |
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| 作者单位 |
1 中山大学附属第六医院 广东广州;
2 广州市黄埔区中六生物医学创新研究所 广东广州;
3 中山大学附属第六医院临床检验科 广东广州
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| 摘要 |
本研究探讨了人口老龄化对商业健康保险需求的影响，基于2011-2017年共7年，基于中国31个省市自治区的数据，本文采用双向固定效应模型进行分析。研究结果显示，人口老龄化显著推动了商业健康保险的消费支出。人口老龄化每增长1个单位，商业健康保险消费支出增长0.0706%。进一步的异质性分析显示，人口老龄化对商业健康保险的影响因地区而异：这一影响在东部地区并不显著，在中部和西部地区，这一影响尤为明显，呈现出显著的正向关系。研究成果为政策制定提供了重要依据，有助于推动商业健康保险的发展。
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| Abstract |
This study examines the impact of population aging on commercial health insurance demand, using data from 31 provinces, autonomous regions, and municipalities in China over a period of seven years from 2011 to 2017. The analysis is conducted using a two-way fixed effects model. The findings indicate that population aging significantly boosts the consumption expenditure on commercial health insurance. For every one-unit increase in population aging, the consumption expenditure on commercial health insurance increases by 0.0706%. Further heterogeneity analysis reveals that the impact of population aging on commercial health insurance varies across regions: it is not significant in the eastern region but is particularly pronounced in the central and western regions, showing a clear positive relationship. The research provides crucial insights for policy-making, aiding in the development of commercial health insurance.
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| 关键词 |
人口老龄化；商业健康保险；数字普惠金融
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| KeyWord |
Population aging, Commercial health insurance, Digital inclusive finance
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| 基金项目 |
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| 页码 |
12-15 |
谢倩颖,宋紫茵*.
人口老龄化是否影响商业健康保险需求 [J].
国际医学与数据杂志.
2025; 9; (2).
12 - 15.