我国健康保险有效需求的实证分析

有效保险需求是在当前特定时期内，在一定保险价格、一定购买力条件下现实的保险需求，是保险公司真正面对的业务来源。本文使用最近几年健康保险保费收入、城镇居民可支配收入、城镇基本医疗保险基金总收入及居民医疗保健支出等数据，通过建立回归模型对健康保险有效需求进行分析。结果显示：居民购买力和医疗费用的增长对我国健康保险的有效需求有显著影响，社会保险并未对商业健康保险产生替代作用，相反与健康保险保费收入同向增长。

The analysis of effective demand on Health insurance

The effective demand on insurance is people＇ s insurance needs with current purchasing power under the certain prices.It is what the insurance companies face.In this paper, I establish a regression model with health insurance premium, disposable income of urban residents, social insurance fund and health care expenditure.It shows that the purchasing power of residents and health care expenditure have a significant impact on the health insurance, the social insurance increases together with the health insurance.