社会医疗保险、自我保护与商业健康保险

基于消费者保险需求理论，采用中国家庭金融调查（CHFS）数据，分析了社会医疗保险、自我保护与商业健康保险之间的关系。结果表明：社会医疗保险抑制了商业健康保险的发展，显著减少了自我保护支出；自我保护促进了商业健康保险的发展。鉴于此，政府应制定合理的封顶线及报销比例以提供适度的基本医疗保险保障水平，商业保险公司应提供差异化的健康保险以补充社会医疗保险，政府及保险公司应鼓励自我保护投资以促进商业健康保险发展。

Social Health Insurance, Self-Protection and Market Health Insurance

Based on insurance demand model, this paper analyzes the interaction between social health insurance, self-protection, and market health insurance through the CHFS data. The results show that: social health insurance inhibits the development of market health insurance, and significantly reduces self-protection expenditures; self-protection boosts market health insurance. In view of this, government should formulate reasonable cap lines and reimbursement ratios to provide an appropriate security level of social health insurance; commercial insurance companies should provide differentiated health insurance to supplement social health insurance; and government and insurance companies should encourage self-protection investments to promote the development of market health insurance.