Institute of Resources, Environment and Ecology, Tianjin Academy of Social Sciences, Tianjin, China.
PLoS One. 2020 Nov 12;15(11):e0242282. doi: 10.1371/journal.pone.0242282. eCollection 2020.
In recent years, the health and economic effects of air pollution have attracted considerable attention, and health and insurance services have been closely related to residents' welfare. However, there are few studies on the influence of pollution on household purchases of insurance. Using data from the 2013 and 2015 China Household Finance Surveys, this study investigates the effect of air pollution on insurance purchases using Logit and Poisson regression models. It is found that air pollution significantly increases the probability of household insurance purchases and the level of premium expenditure, although the impact of air pollution on insurance purchases shows a degree of heterogeneity. Health insurance is more sensitive to air pollution than life insurance and other types of insurance. In areas where NO2 and O3 are the main types of pollutants, air pollution has a greater impact on household insurance purchases.
近年来，空气污染对健康和经济的影响引起了广泛关注，健康和保险服务与居民的福利密切相关。然而，关于污染对家庭购买保险的影响的研究较少。本文利用 2013 年和 2015 年中国家庭金融调查数据，使用 Logit 和 Poisson 回归模型研究了空气污染对保险购买的影响。结果表明，空气污染显著增加了家庭购买保险的概率和保费支出水平，尽管空气污染对保险购买的影响存在一定程度的异质性。健康保险对空气污染比人寿保险和其他类型的保险更为敏感。在以 NO2 和 O3 为主要污染物的地区，空气污染对家庭购买保险的影响更大。
