百姓需要怎样的惠民保:费用补偿还是健康促进?OA北大核心CSTPCD

Objective This study aims to explore the influence of product design factors of Huimin insurance on people's purchase willingness from the perspective of demand side.Method Sample data were collected through a questionnaire survey,and a multi-factor logistic regression model was used to examine the impact of various factors on purchase intention.Results Among the design factors of Huimin insurances,coinsurance(P＜0.05),health management service(P＜0.01),deductible(P＜0.05)and insurance price(P＜0.05)are significant factors affecting residents'purchase intention.Among the factors related to insurance literacy,the depth of comprehension regarding Huimin insurance(P＜0.01)and the intention to buy other commercial insurance(P＜0.01)are vital factors affecting purchase intention.Conclusions The findings indicate that people's demand for Huimin insurance encompasses more than just cost compensation.There is a notable need for both cost compensation and health promotion.Insurance literacy also plays a crucial role in purchase intention.It is recommended that the government guide insurance companies to reorient the value proposition of Huimin insurance product,make full use of Huimin insurance promotion activities as a means to enhance health insurance literacy of the public,and foster the orderly and healthy development of the health insurance market.