| 引用本文: |
农静雅,翟铁民,郭锋,等.商业健康保险对儿童健康的影响分析*[J].中国卫生经济,2023,42(4):25-29.[点击复制] |
NONG Jing-ya,ZHAI Tie-min,GUO Feng,et al.Analysis of the Impact of Commercial Health Insurance on Children's Health[J].CHINESE HEALTH ECONOMICS,2023,42(4):25-29.[点击复制] |
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| 摘要: |
| 目的：研究商业健康保险对儿童健康的影响，并在此基础上提出具有针对性的政策建议。方法：采用Probit模型研究商业健康保险对儿童健康的影响，分析儿童、家庭特征异质性，并进一步检验儿童医疗支出、医疗服务利用的中介效应。结果：商业健康保险能显著促进儿童健康，对农业户口、高收入家庭、城镇、中西部地区的儿童有更显著的促进作用。 商业健康保险通过医疗支出、医疗服务，改善儿童健康的结果不显著。结论：商业健康保险能改善儿童健康水平，但是其覆盖率较低。对此，我国应加快在国家层面上建设儿童医疗保障制度，推动儿童基本医疗保险与商业健康保险的有效衔接。 |
| 关键词: 商业健康保险 儿童健康 IVProbit模型 倾向得分匹配 中介效应 |
| DOI： |
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| 基金项目:国家自然科学基金资助项目(71874039) |
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| Analysis of the Impact of Commercial Health Insurance on Children's Health |
| NONG Jing-ya,ZHAI Tie-min,GUO Feng,ZHANG Xin-hua,XHANG Shu-hui |
| () |
| Abstract: |
| Objective: To study the impact of commercial health insurance on children's health and to propose targeted policy recommendations. Methods: A Probit model was used to study the impact of commercial health insurance on children's health，analyze the heterogeneity of children and household characteristics，and further test the mediating effects of children's medical expenditures and medical service utilization. Results: Commercial health insurance significantly promoted children's health，with more significant effects on children in agricultural households，high-income families，urban and central/western regions. The results of commercial health insurance improving children's health through medical expenditure and medical service utilization were not significant. Conclusion: Commercial health insurance can improve children's health，but its coverage rate is low. In this regard，China should accelerate the construction of a specialized medical insurance system for children at the national level and promote the effective interface between basic medical insurance and commercial health insurance for children. |
| Key words: commercial health insurance child health ivprobit model tendency score matching intermediary effect |
