Brau Rinaldo, Lippi Bruni Matteo
Department of Economics and CRENoS, University of Cagliari, Cagliari, Italy.
Health Econ. 2008 Mar;17(3):411-33. doi: 10.1002/hec.1271.
We evaluate the demand for long-term care (LTC) insurance prospects in a stated preference context, by means of the results of a choice experiment carried out on a representative sample of the Emilia-Romagna population. In this paper, these methods are first of all used in order to assess the relative importance of the characteristics that define hypothetical insurance programmes and to elicit the willingness to pay for some LTC coverage prospects. Moreover, thanks to the application of a nested logit specification with 'partial degeneracy', we are able to model the determinants of the preference for status quo situations where no systematic cover for LTC exists. On the basis of this empirical model, we test for the effects of a series of socio-demographic variables as well as personal and household health-state indicators.
我们通过对艾米利亚 - 罗马涅地区人口的代表性样本进行选择实验的结果，在陈述偏好的背景下评估长期护理（LTC）保险潜在客户的需求。在本文中，这些方法首先用于评估定义假设保险计划的特征的相对重要性，并引出为某些长期护理保险范围支付意愿。此外，由于应用了具有“部分退化”的嵌套逻辑模型规范，我们能够对不存在长期护理系统覆盖的现状偏好的决定因素进行建模。基于这个实证模型，我们测试了一系列社会人口变量以及个人和家庭健康状况指标的影响。
