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 independent variable and EQ-5D index scores

  as the dependent variable, the panel instrumental variable (IV) method

  was used to analyze the impact of participation in PHI on health. We

  also assessed the heterogeneity of the health effects of PHI between

  chronic and non-chronic disease groups and between low- and high-income

  groups. ResultsThe coverage rate of PHI at baseline was 10.53\%. The

  regression results showed that participating in PHI on the basis of SHI

  could result in an additional 8.21\% health gain (p < 0.001). At the

  same time, PHI had greater health gain for chronic disease population

  than for healthy population (9.25 vs. 6.24\%, p < 0.001), and greater

  health gain for high-income population than for low-income population

  (8.32 vs. 5.31\%, p < 0.001). ConclusionParticipating in supplementary

  PHI can effectively enhance the health status of the insured, and has a

  more significant effect on patients with chronic diseases. The

  development of PHI should be further supported, while the health

  inequality in different income groups should be paid attention to.'
affiliation: 'Chen, YC (Corresponding Author), Huazhong Univ Sci \& Technol, Tongji
  Med Coll, Sch Med \& Hlth Management, Wuhan, Peoples R China.

  Chen, YC (Corresponding Author), Key Res Inst Humanities \& Social Sci, Res Ctr
  Rural Hlth Serv, Prov Dept Educ, Wuhan, Peoples R China.

  Chen, Xinlin; Guo, Dandan; Tan, Huawei; Zhang, Yunfan; Liu, Yanchen; Chen, Xinlan;
  Chen, Yingchun, Huazhong Univ Sci \& Technol, Tongji Med Coll, Sch Med \& Hlth Management,
  Wuhan, Peoples R China.

  Chen, Yingchun, Key Res Inst Humanities \& Social Sci, Res Ctr Rural Hlth Serv,
  Prov Dept Educ, Wuhan, Peoples R China.'
article-number: '961019'
author: Chen, Xinlin and Guo, Dandan and Tan, Huawei and Zhang, Yunfan and Liu, Yanchen
  and Chen, Xinlan and Chen, Yingchun
author-email: chenyingchunhust@163.com
author_list:
- family: Chen
  given: Xinlin
- family: Guo
  given: Dandan
- family: Tan
  given: Huawei
- family: Zhang
  given: Yunfan
- family: Liu
  given: Yanchen
- family: Chen
  given: Xinlan
- family: Chen
  given: Yingchun
da: '2023-09-28'
doi: 10.3389/fpubh.2022.961019
eissn: 2296-2565
files: []
journal: FRONTIERS IN PUBLIC HEALTH
keywords: 'private health insurance; social health insurance; health promotion;

  EQ-5D; instrumental variable'
keywords-plus: 'WORKING-AGE ADULTS; CARE UTILIZATION; MEDICAL-CARE; OLDER; SELECTION;

  COVERAGE; SERVICE; MARKETS; DESIGN; IMPACT'
language: English
month: SEP 27
number-of-cited-references: '57'
orcid-numbers: Zhang, Yunfan/0000-0003-1805-5096
papis_id: 49dbfeb5b983eb573e271beecd6e11d9
ref: Chen2022cansupplementary
times-cited: '0'
title: Can supplementary private health insurance further supplement health
type: article
unique-id: WOS:000874577700001
usage-count-last-180-days: '17'
usage-count-since-2013: '32'
volume: '10'
web-of-science-categories: Public, Environmental \& Occupational Health
year: '2022'