医养结合视角下商业健康险需求因素研究——基于安徽省的数据分析

我国医疗资源配置不均问题严重,而商业健康保险的良性发展有利于合理配置医疗资源.从"医养结合"的角度出发,结合安徽省的数据,利用灰色关联分析法探求不同因素对商业健康险需求的影响.实证结果表明:第一,居民的购买力水平和老年人口的数量是影响商业健康险需求的重要因素;第二,现行的医疗保障制度对于商业健康险需求的影响也较高,关联度达到了0.634 8;第三,保险行业的发展情况、人们的风险偏好和医疗服务的价格对于商业健康险的需求影响不大.由此提出商业健康险如何参与"医养结合"的相关意见建议.

The Demand Factors of Commercial Health Insurance from the Perspective of Combination of Medicine and Nursing: Based on Anhui Province

China's uneven allocation of medical resources is serious,and the positive development of commercial health insurance is conducive to the rational allocation of medical resources. Based on the current " combination of medicine and nursing",combined with the data of Anhui Province,the gray relational analysis method is used to explore the influence of different factors on the demand of commercial health insurance. The empirical results show as follows: first,the purchasing power of residents,the elderly population are important factors affecting the commercial health insurance demand; secondly,the current medical insurance system for the commercial health insurance demand is higher,correlation degree reaches 0.6348; thirdly,the development of the insurance industry,the risk preference and the price of medical services demand for commercial health insurance have little effect. And the article puts forward some suggestions on how the commercial health insurance participates in the " combination of medicine and nursing".