Research on the Willingness and Influencing Factors of Urban and Rural Residents to Purchase Inclusive Supplementary Medical Insurance

Abstract

The customized commercial supplementary medical insurance with Chinese characteristics, characterized by active government participation, market-oriented operation of insurance companies, voluntary participation of residents, and protection for major diseases, has filled the gap between social basic medical insurance and traditional commercial health insurance, and has become an important breakthrough in building a multi-level medical insurance system in China. To understand the willingness of residents in Anhui Province to purchase "Anhui Huibao" and explore its potential market, expand the coverage of this commercial health insurance in the province. This article uses a binary logistic regression model to analyze the significant factors affecting the purchase intention of "Anhui Huibao". Among them, there is a significant negative correlation between the economic level of the respondents and their willingness to purchase commercial health insurance; There is a significant positive correlation between the number of hospitalizations of respondents in the past two years, their awareness of the cost of treating major diseases, and the age restriction of policyholders in Anhui Huibao, as well as their willingness to purchase. Finally, this article proposes suggestions.