Study on Income Redistribution Effect of Commercial Health Insurance——Based on Empirical Evidence from China Household Finance Survey
Using the data of the 2019 China Household Finance Survey(CHFS),the paper studies the insurance benefits of different income groups who purchase different types of commercial health insurance,and evaluate the income redistribution effect of commercial health insurance.The results show that there is reverse income redistribution in commercial health insurance.Rising financing standards and high medical costs are important factors for the sharp increase in income gap.Insurance reimbursement can make up for the widening income gap after insurance payment and medical expenditure,but the positive income redistribution effect is insufficient and there is an unfair benefit phenomenon.In this regard,it is necessary to innovate commercial health insurance products and services,establish"commercial health insurance+health management"model,and increase government support to promote the development of commercial health insurance in China.
commercial health insuranceincome redistributionMT indexGini coefficient path curve
万方数据
