Exposure to Abnormally Hot Temperature and the Demand for Commercial Health Insurance

Abstract

Using the China Health and Retirement Longitudinal Study, this paper studies the impact of abnormal hot temperature on residents' demand for commercial health insurance. The results show that for every 1°F rise in abnormal temperature, the probability of people buying commercial health insurance increased by 6%. Furthermore, the abnormal hot temperature has a more significant impact on the commercial health insurance demand of women, residents in the South and residents in the East. Channel analysis shows that abnormal hot temperature affects the demand for commercial health insurance through two channels: increasing residents' concern about climate risk and affecting health. This paper provides evidence for actively promoting sustainable development and improving the construction of medical security system.

Study on the Dynamic Relationship between Chinese Residents’ Individual Characteristics and Commercial Health Insurance Demand

“…The research results show that age, education level and income significantly promoted residents’ demand for commercial health insurance, but gender and marital status had no significant impact on the demand for commercial health insurance. Zhong et al (2022) [ 19 ] analyzed and studied the data of the China Health and Retirement Longitudinal Study (CHARLS) in 2011, 2013 and 2015. By constructing a panel logit model, it was concluded that age and marital status of residents were significantly negatively correlated with the demand for commercial medical insurance, while gender and education level of residents were significantly positively correlated with the demand for commercial medical insurance.…”

“…On the other hand, in the long term, due to the increasing proportion of the total dependent population, the elderly population or the number of minors seriously exceed the standard, resulting in excessive family economic burden and decreased purchasing power, thus reducing the demand for commercial health insurance, that is, the age characteristics of residents have a negative effect on the demand for commercial health insurance [ 19 ]. Based on the above discussion, this paper proposes the following hypothesis:…”

“…On the other hand, in the long term, men tend to be the “pillar” of the family, responsible for going out to work, earning money and supporting the family, and bear more pressure in social work and daily life, resulting in a greater degree of physical damage. For the protection of physical health, they will increase their purchase of commercial health insurance products, that is, the gender characteristics of residents have a positive effect on the demand for commercial health insurance [ 19 ]. Based on the above discussion, this paper proposes the following hypothesis:…”

“…On the one hand, in a certain period, the proportion of the married population increases, which means that the number of married residents will increase, so it is necessary to consider the problems of supporting parents and children, and the economic burden is large. Some residents will reduce the consumption of commercial health insurance, that is, when this idea of the residents dominates, residents’ marriage characteristics will have a negative effect on the demand for commercial health insurance [ 19 ].…”

Quantitative, Qualitative and Thermal Aspects of Rainwater Retention on Wetland Roofs

“…One of the current problems in urban areas is heavy rain, which can easily flood drainage systems that lack sufficient capacity because of increasing urbanization and climate change [3,4]. Extremely high temperatures are becoming increasingly common in cities, with a negative impact on residents [5]. Rainwater retained by green infrastructure provides a measurable effect, in the form of cooling the surrounding area and building interiors [6,7].…”