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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/74086

    Title: 影響購買健康險因素之探討
    Other Titles: The demand factors of purchasing health insurance
    Authors: 何憶婷;Ho, Yi-Ting
    Contributors: 淡江大學保險學系保險經營碩士班
    Keywords: 健康保險;風險趨避;自我保護;Health Insurance;risk aversion;self-protection
    Date: 2011
    Issue Date: 2011-12-28 18:01:11 (UTC+8)
    Abstract: 過去許多健康險需求研究多著重探討供給層面相關之變數,隨著近年來醫療保健之關念已落實於現代人的日常生活中,影響購買健康險之變數已有所變化,因此,本研究有別於以往,以消費者個人特質做為主軸,並加入預防保健等變數加以探討。

    本研究所使用之研究方法為Probit 迴歸,以「有額外投保醫療險」或「沒有額外投保醫療險」為二元反應之依變項,將個人之人口結構變數控制住後,再分別加入欲探討自變數─主觀風險、客觀風險之評估以及財富、風險趨避、風險偏好、預防保健逐一分析。

    The past research of demand for private health insurance was focus on the factors related to the supply-side. In recent years, with the concept of health care have been implemented in the daily life of modern, the demand factors of purchasing health insurance was changed. Therefore, the study will focus on the factors of consumer personality.

    We used the probit regression to examine the factors influencing the probability of private health insurance purchased, the factors include subjective health risks, objective health risk, wealth, risk aversion, risk lover and preventive health behavior.

    The results indicated that the objective health risk is negative correlated with the demand of health insurance, however, the subjective health risk is positive but not significant with demand of health insurance. In the study, the information asymmetry problem is not exist in the private health insurance market. In addition, the person who is a risk aversion will purchase more private health insurance, equally, the person who is a risk lover will decrease the demand of purchasing. Moreover, the person who has the habit of taking vitamins or exercise has a higher demand for health insurance.
    Appears in Collections:[保險學系暨研究所] 學位論文

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