不同年龄群体对长期护理保险需求的影响因素分析—以北京市为例

Abstract

目前我国长期护理保险有效需求不足是长期护理保险发展滞后的重要原因之一。本文以北京市为例，以不同年龄群体为出发点，基于实地问卷调查数据对长期护理保险有效需求的影响因素进行实证分析，并基于实证结果得出各年龄群体对长期护理保险需求的特点。研究表明：居民在40~60岁年龄段购买长期护理保险的意愿较强；经济因素和健康因素会影响各个年龄群体对长期护理保险需求；而婚姻状况、兄弟姐妹数量、子女数量、就业单位等因素只会对某年龄阶段人群的长期护理保险需求产生影响。为此，保险公司应按年龄对消费者市场进行细分，推出多样化的长期护理保险产品，如推出缴费方式多样化、保障范围多样化或给付方式多样化的长期护理保险产品。 At present, lacking of the effectual demand of long-term care insurance in China is one of the great causes of the slow development of long-term care insurance. Taking Beijing as an example, using different age groups as a starting point, combining survey samples, we analyze and explain influence factors on the long-term care insurance demand of different age groups, and conclude the characteristics of the different age groups’ demand. Research has shown that residents at 40 to 60 years old age are willing to buy long-term care insurance; economic and health factors affect the demand of different age groups; while the marital status, the number of siblings, the number of children, and the employment unit only influence on one certain age groups. Therefore, the insurance company shall subdivide the market based on the age of the consumer, and present more diversified long-term care insurance products, such as diversified payment methods, diversified insurance coverage or diversified benefit mode.