How can Collaborative Governance Improve the Participation Rate of Huimin Insurance——A Fuzzy Set Qualitative Comparative Analysis Based on 50 Cases

Corresponding author: Qun Wang, qunwang@dlut.edu.cn

DOI: 10.12201/bmr.202312.00001

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  Abstract: Against the backdrop of improving the multi-level health security system and accelerating the construction of a Health China, Huimin Insurance, as an inclusive commercial health insurance, has both policy and market characteristics, and is undoubtedly a powerful tool for promoting the integration of social and commercial development. Indeed, many explorations have been conducted on various Huimin insurance products, and some regions have formed an iron triangle model of Government+Insurance companies+Third-party platforms. However, at the same time, the development of Huimin insurance in various regions also shows an uneven trend, with vastly different levels of participation rates. This study takes 50 municipal level Huimin insurance products launched in 2022 as the study object. Based on the theory of collaborative governance, a collaborative system framework of Collaborative subject- Collaborative object-Collaborative environment is constructed, extracting six variables: economic development level, residents insurance awareness, government support level, internet platform participation, product price level, and product benefit level. Through the QCA analysis method, this paper empirically analyzes the influencing factors and configuration paths of Huimin insurance participation rate, in order to explore the critical path for Huimin insurance to achieve high participation rate and sustainable development. We find that government support is a necessary condition for a high participation rate. Finally, through conditional configuration analysis, it can be found that there are three paths: Government support- Product driven, Government support-Environment driven, and Comprehensive linkage- Collaborative system that can improve the participation rate of Huimin insurance. Our findings can provide countermeasures and suggestions for improving the participation rate of Huimin insurance.

  Key words: Huimin Insurance; Collaborative governance; QCA

  Submit time: 4 December 2023

  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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