金融学院知识库

 The strategy of "Healthy China" requires the construction of a sound medical security system to meet the challenges of aging and chronic diseases. Although basic medical insurance provides basic security, it is still insufficient in the face of major diseases or high medical expenses. As a supplement, commercial medical insurance can provide more extensive and personalized services to residents and meet their health needs.

With the gradual relaxation of China's birth policy from the only child to the all-round three-child, it not only promotes the change of the family's child structure, but also promotes the profound change of the social birth concept. People's birth concept gradually shifts from "having more children and more happiness" to prenatal and postnatal care, and the trend of fewer children is obvious. At the same time, although the sex ratio of children has improved, it is still higher than the normal range. These changes lead to the diversification of children in the family, which has a far-reaching impact on resource allocation, support expenditure and health planning, and then affects the participation of commercial medical insurance. Therefore, studying the influence of children's structure on the demand of commercial medical insurance is helpful to understand the influence of family structure changes on economic and social development, and provide theoretical support and practical guidance for the development of commercial medical insurance market and promote the healthy development of insurance market.

Based on the data of China General Social Survey (CGSS) in 2017, 2018 and 2021, this paper makes an empirical analysis by using Probit model, revealing the internal relationship between the family structure and the demand for commercial medical insurance, and providing scientific basis for government policy formulation and product innovation of insurance companies. The results show that the increase in the number of children significantly reduces the probability of families buying commercial medical insurance, mainly because the increase in the number of children increases the family's economic burden; The probability of families with sons buying commercial medical insurance is also significantly reduced, reflecting the influence of the concept of "raising children to prevent old age"; The annual family income plays an intermediary role between the number and sex of children and the demand for commercial medical insurance. Both the number and sex of children lead to the decrease of annual family income, which in turn inhibits the demand for commercial medical insurance. Heterogeneity analysis shows that the eastern region has the most significant influence, the central region has less influence, and the western region is greatly influenced by traditional concepts; Urban families are more influenced by their children's structure than rural families, while non-state-owned sectors are more influential than state-owned sectors; The results of robustness test are consistent, which verifies the reliability of the conclusion.

Finally, based on the research results, this paper puts forward some suggestions: strengthening policy support and publicity guidance, promoting product innovation and service optimization, raising awareness of family financial planning and risk management, formulating differentiation strategies according to industry characteristics, and strengthening cross-departmental cooperation and data sharing.