Observational analysis reveals that social security influences household commercial health insurance purchases, indicating the importance of insurance types.
From the perspective of moderation effects, this study examines the influence of basic social security on household commercial health insurance (CHI) purchase decisions. Based on panel data constructed from three waves of the China Household Finance Survey (CHFS), we first employ a Logit model to analyze the effect of health risk on CHI purchases. We then examine the moderating role of basic social security. The results show that the moderating effect of social medical insurance participation is insignificant, whereas the participation rate of other types of social insurance has a significant negative moderating effect. This study clarifies the differentiated impacts of medical versus other social insurance types on CHI decisions, which helps explain factors and mechanisms influencing CHI participation. It also offers new insights for mitigating adverse selection and increasing public engagement with CHI products.
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Zhu et al. (2025) studied this question.
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