2022
DOI: 10.3389/fpubh.2022.961019
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Can supplementary private health insurance further supplement health

Abstract: BackgroundChina advocates a health insurance system with social health insurance (SHI) as the main body and private health insurance (PHI) as the supplement. The study of PHI's complementary role in health is conducive to providing evidence for PHI's policy expansion and encouraging the public to participate in PHI, which is insufficient in China.MethodsWe used the three-wave balanced panel data of the China Health and Retirement Longitudinal Survey (CHARLS). Taking the ownership of supplementary PHI as the in… Show more

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Cited by 4 publications
(4 citation statements)
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“…Health literacy is one of the important factors affecting people’s health and well-being, encompassing the ability to obtain, understand, and utilize health information and services to make behaviors and decisions that benefit their own health. As shown in Figure 4 , sufficient and equal access to BPHS can enhance health literacy of rural migrant workers, leading to better health outcomes, reduced medical expenses and precautionary savings ( 29 ). Firstly, by providing health education and pamphlets, BPHS encourage timely medical treatment and ultimately reducing potential health risks.…”
Section: Theoretical Framework and Hypothesismentioning
confidence: 99%
“…Health literacy is one of the important factors affecting people’s health and well-being, encompassing the ability to obtain, understand, and utilize health information and services to make behaviors and decisions that benefit their own health. As shown in Figure 4 , sufficient and equal access to BPHS can enhance health literacy of rural migrant workers, leading to better health outcomes, reduced medical expenses and precautionary savings ( 29 ). Firstly, by providing health education and pamphlets, BPHS encourage timely medical treatment and ultimately reducing potential health risks.…”
Section: Theoretical Framework and Hypothesismentioning
confidence: 99%
“…Further research suggests that disease risk is a crucial motivator for precautionary savings. Health insurance can help individuals deal with future uncertain disease risks, reducing the need for emergency funds and facilitating consumption ( 15 , 26 ). This conclusion applies to the older adult population as well, as noted by Clark and Mitchell ( 27 ).…”
Section: Theoretical Mechanism and Research Hypothesismentioning
confidence: 99%
“…With the rapid economic development that has occurred since the reform and opening-up, the issue of resident income inequality in China has become increasingly prominent (Chuliang Luo et al, 2021; Chen et al, 2022). Although the income inequality problem has been improved to some extent by the implementation of policies targeting poverty alleviation, the gap between the rich and the poor in China generally remains signi cant (Fuzhan Xie et al, 2020).…”
Section: Introductionmentioning
confidence: 99%
“…There are multiple reasons for this. Firstly, the self-pay proportion of excessive medical costs in the design of the medical insurance system is more bene cial to high-income groups, which is an important cause of "reverse subsidies" (Chen et al, 2022). Secondly, the partial environmental bene ts of income can easily cause differences in medical insurance use due to income gaps, thus resulting in the phenomena of "rural areas help urban areas" and "the poor help the rich" (Chao Ma et al, 2017).…”
Section: Introductionmentioning
confidence: 99%