School of Economics, Qingdao University, Qingdao, China.
Front Public Health. 2021 Sep 16;9:752530. doi: 10.3389/fpubh.2021.752530. eCollection 2021.
Under the context of rapid economic and social development, and growing demands for a better life, Chinese residents have been increasingly concerned with their health status and issues. In this study, the internal relations between the purchase of commercial insurance by residents and their health status are analyzed and studied with a polytomous logit model based on the data of Chinese General Social Survey (CGSS) in 2015. According to the research result, purchase of commercial insurance significantly improved the health status of residents, with an improving effect for rural residents apparently better than that among urban residents. In addition, purchase of commercial insurance can promote the health status of residents by increasing their household income. This research will provide an effective reference for the innovative development and medical reform of the commercial insurance of China in the future, which is theoretically and practically significant to the implementation of the Healthy China Strategy.
在经济社会快速发展、人民生活需求日益增长的背景下，中国居民越来越关注自身的健康状况和问题。本研究基于 2015 年中国综合社会调查（CGSS）数据，运用多项逻辑回归模型分析和探讨了居民购买商业保险与健康状况之间的内在关系。研究结果表明，购买商业保险显著改善了居民的健康状况，且对农村居民的改善效果明显优于城镇居民。此外，购买商业保险可以通过增加家庭收入来促进居民的健康状况。本研究将为未来中国商业保险的创新发展和医疗改革提供有效参考，对实施健康中国战略具有重要的理论和实践意义。
