Fergusson D M, Horwood L J
N Z Med J. 1985 Jun 12;98(780):435-8.
The level of private medical insurance coverage was studied in a sample of 1106 seven year old children and their families who were participants in the Christchurch Child Development Study. In the last seven years, there has been a rapid increase in the number of families who were covered by private medical insurance: in 1977 an estimated 18% of families had coverage and by 1984, this figure had risen to 43%. Levels of coverage were correlated with a large number of factors associated with family social background including single parenthood, low income, poor parental education, Polynesian ethnicity, depressed living standards, family size and parental age. However, multivariate analysis suggested that the primary determinants of insurance coverage were family earning power and family structure. The social implications of these findings are discussed.
在克赖斯特彻奇儿童发展研究的1106名七岁儿童及其家庭样本中，对私人医疗保险覆盖水平进行了研究。在过去七年中，参加私人医疗保险的家庭数量迅速增加：1977年估计有18%的家庭参保，到1984年，这一数字已升至43%。保险覆盖水平与大量与家庭社会背景相关的因素有关，包括单亲家庭、低收入、父母教育程度低、波利尼西亚族裔、生活水平低下、家庭规模和父母年龄。然而，多变量分析表明，保险覆盖的主要决定因素是家庭收入能力和家庭结构。文中讨论了这些发现的社会影响。
