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研究探讨中国老年商业医疗保险消费的影响因素,以2006年中国城乡老年人口状况追踪抽样调查数据为依托,运用Logistic回归方法进行实证分析。研究发现,女性购买商业医疗保险的可能性是男性的0.64倍,受教育程度为私塾的老年人购买的可能性是没读过书老年人的2.07倍,有偶分居和离婚群体购买商业医疗的可能性远远高于有偶同住人群,非农户口群体购买的可能性是农业户口人群的0.47倍,老年人自理困难指数每提高一个单位,购买商业医疗保险的可能性降低16%。总的来说,人口学特征和老年人健康水平对老年商业医疗保险的消费存在显著影响,男性、受教育程度高、婚姻状态不稳定、农村户籍、健康水平较好的老年人更可能拥有老年商业医疗保险。
To study the influencing factors of elderly medical insurance consumption in China. Based on the sample survey data of the urban-rural elderly population in 2006, we use Logistic regression method to carry out empirical analysis. The study found that women are likely to buy commercial medical insurance is 0.64 times that of men, the possibility of purchasing privately-educated seniors is 2.07 times that of those who have not read the books. There are even cases in which married and divorced groups purchase commercial medical insurance Possibility is much higher than that of couples who live together. The probability of non-agricultural household purchasing is 0.47 times that of agricultural household. For every unit increase of the self-care difficulty index for the elderly, the possibility of purchasing commercial medical insurance is reduced by 16%. In general, demographic characteristics and the health status of the elderly have a significant impact on the consumption of commercial medical insurance for the elderly. Men, higher education levels, unstable marital status, older people with rural domicile and better health are more likely to have elderly Commercial medical insurance.