Evaluation of commercial medical insurance on the health effects of urban and rural residents ——Empirical evidence from CGSS data

Corresponding author: zhoudeshui, zhoudeshui86@163.com

DOI: 10.12201/bmr.202108.00013

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  Abstract: As a useful supplement to social medical insurance, commercial health insurance is an important starting point for promoting a healthy China strategy. Based on the China Comprehensive Social Survey (CGSS), the article uses the cross-section double difference method and the propensity score matching method (PSM) method to evaluate the impact of commercial health insurance on the health of the insured. The study found that: commercial health insurance has a positive health effect, that is, purchasing commercial health insurance can significantly promote the health of residents and improve the health of residents. By using the cross-sectional double difference method to overcome the causal effect and the propensity score matching method for counterfactual estimation, it is found that the positive impact of commercial health insurance on residents health is still valid. Expansion analysis shows that the health promotion effect of commercial health insurance on high-income groups is significantly higher than that of low-income groups, and at the same time, it is more significant in the middle and western regions over the age of 40. The conclusions of this article help to recognize the value and deep-seated impact of commercial health insurance on improving the health of residents.

  Key words: commercial health insurance; health; cross-section double difference method

  Submit time: 8 October 2021

  Copyright: The copyright holder for this preprint is the author/funder, who has granted biomedRxiv a license to display the preprint in perpetuity.
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