2023-09-28 14:46:10 +00:00
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abstract: 'BackgroundChina advocates a health insurance system with social health
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insurance (SHI) as the main body and private health insurance (PHI) as
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the supplement. The study of PHI''s complementary role in health is
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conducive to providing evidence for PHI''s policy expansion and
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encouraging the public to participate in PHI, which is insufficient in
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China. MethodsWe used the three-wave balanced panel data of the China
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Health and Retirement Longitudinal Survey (CHARLS). Taking the ownership
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of supplementary PHI as the independent variable and EQ-5D index scores
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as the dependent variable, the panel instrumental variable (IV) method
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was used to analyze the impact of participation in PHI on health. We
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also assessed the heterogeneity of the health effects of PHI between
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chronic and non-chronic disease groups and between low- and high-income
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groups. ResultsThe coverage rate of PHI at baseline was 10.53\%. The
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regression results showed that participating in PHI on the basis of SHI
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could result in an additional 8.21\% health gain (p < 0.001). At the
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same time, PHI had greater health gain for chronic disease population
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than for healthy population (9.25 vs. 6.24\%, p < 0.001), and greater
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health gain for high-income population than for low-income population
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(8.32 vs. 5.31\%, p < 0.001). ConclusionParticipating in supplementary
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PHI can effectively enhance the health status of the insured, and has a
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more significant effect on patients with chronic diseases. The
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development of PHI should be further supported, while the health
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inequality in different income groups should be paid attention to.'
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affiliation: 'Chen, YC (Corresponding Author), Huazhong Univ Sci \& Technol, Tongji
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Med Coll, Sch Med \& Hlth Management, Wuhan, Peoples R China.
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Chen, YC (Corresponding Author), Key Res Inst Humanities \& Social Sci, Res Ctr
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Rural Hlth Serv, Prov Dept Educ, Wuhan, Peoples R China.
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Chen, Xinlin; Guo, Dandan; Tan, Huawei; Zhang, Yunfan; Liu, Yanchen; Chen, Xinlan;
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Chen, Yingchun, Huazhong Univ Sci \& Technol, Tongji Med Coll, Sch Med \& Hlth Management,
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Wuhan, Peoples R China.
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Chen, Yingchun, Key Res Inst Humanities \& Social Sci, Res Ctr Rural Hlth Serv,
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Prov Dept Educ, Wuhan, Peoples R China.'
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article-number: '961019'
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author: Chen, Xinlin and Guo, Dandan and Tan, Huawei and Zhang, Yunfan and Liu, Yanchen
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and Chen, Xinlan and Chen, Yingchun
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author-email: chenyingchunhust@163.com
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author_list:
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- family: Chen
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given: Xinlin
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- family: Guo
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given: Dandan
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- family: Tan
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given: Huawei
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- family: Zhang
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given: Yunfan
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- family: Liu
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given: Yanchen
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- family: Chen
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given: Xinlan
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- family: Chen
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given: Yingchun
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da: '2023-09-28'
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doi: 10.3389/fpubh.2022.961019
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eissn: 2296-2565
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files: []
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journal: FRONTIERS IN PUBLIC HEALTH
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keywords: 'private health insurance; social health insurance; health promotion;
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EQ-5D; instrumental variable'
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keywords-plus: 'WORKING-AGE ADULTS; CARE UTILIZATION; MEDICAL-CARE; OLDER; SELECTION;
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COVERAGE; SERVICE; MARKETS; DESIGN; IMPACT'
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language: English
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month: SEP 27
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number-of-cited-references: '57'
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orcid-numbers: Zhang, Yunfan/0000-0003-1805-5096
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papis_id: 49dbfeb5b983eb573e271beecd6e11d9
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ref: Chen2022cansupplementary
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times-cited: '0'
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title: Can supplementary private health insurance further supplement health
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2023-10-01 08:15:07 +00:00
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type: article
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2023-09-28 14:46:10 +00:00
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unique-id: WOS:000874577700001
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usage-count-last-180-days: '17'
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usage-count-since-2013: '32'
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volume: '10'
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web-of-science-categories: Public, Environmental \& Occupational Health
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year: '2022'
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