Yeh Shu-Chuan Jennifer, Wang Wen Chun, Chou Hsueh-Chih, Chen Shih-Hua Sarah
Department of Business Management, National Sun Yat-sen University, Kaohsiung City 804, Taiwan.
Kaohsiung Veterans General Hospital, Kaohsiung City 813, Taiwan.
Healthcare (Basel). 2021 Jan 19;9(1):102. doi: 10.3390/healthcare9010102.
The rising aging population contributes to increased caregiver burden and a greater need for long-term care services, thereby posing stronger financial burden. The current study aimed to examine the effect of income, risk-taking propensity, personality traits, and life experience on the ownership of and intention to own private long-term care insurance (LTCI). Primary data were collected from 1373 registered nurses with a minimum of two years of full-time working experience. Multinomial logistic regression was used to examine the relationships between ownership of LTCI and personal discretionary income, risk propensity, openness to experience, and life experience. Personal discretionary income was a crucial positive indicator in predicting ownership of LTCI. Higher risk-taking propensity was found to be negatively related to both currently own and future intention to own private LTCI. Participants who currently live with elders and who agree to caregiving responsibilities with government-provided cash allowance showed future intention to purchase LTCI. Little evidence was found for an association between life experience and future intention to own LTCI. Income, risk-taking propensity, and personality traits differ in their impact on ownership of and future intention to own LTCI. Our results provide policy makers with a better understanding of the forces driving demand in the private LTCI market, as well as the accompanying implications for public LTCI.
人口老龄化加剧导致护理负担加重，对长期护理服务的需求增加，从而带来更沉重的经济负担。本研究旨在探讨收入、冒险倾向、人格特质和生活经历对私人长期护理保险（LTCI）拥有情况及购买意愿的影响。主要数据来自1373名具有至少两年全职工作经验的注册护士。采用多项逻辑回归分析来研究LTCI拥有情况与个人可自由支配收入、风险倾向、经验开放性和生活经历之间的关系。个人可自由支配收入是预测LTCI拥有情况的关键正向指标。较高的冒险倾向与当前拥有私人LTCI及未来购买意愿均呈负相关。目前与老年人同住且同意在政府提供现金补贴的情况下承担护理责任的参与者表示有未来购买LTCI的意愿。几乎没有证据表明生活经历与未来拥有LTCI的意愿之间存在关联。收入、冒险倾向和人格特质对LTCI拥有情况及未来购买意愿的影响各不相同。我们的研究结果使政策制定者能更好地理解推动私人LTCI市场需求的因素，以及对公共LTCI的相关影响。
