Effects of SO2 Pollution on Household Insurance Purchasing in China: A Cross-Sectional Study

Frontiers in Public Health

Ting Tang¹  Dawei Jiang²  Lizhi Zhang³  Ren Wang³  Fei Yan³ 

[1] College of Science, Hunan University of Technology and Business, Changsha, China;Hunan Aerospace Hospital, Changsha, China;School of Finance, Hunan University of Technology and Business, Changsha, China;

关键词: SO2 pollution;    commercial health insurance;    residential health behavior;    micro-data;    discrete model;   

DOI  :  10.3389/fpubh.2021.777943

来源: DOAJ

【 摘 要 】

There have been considerable concerns regarding the effects of air pollution on health and economy over the past decades across the world. As insurance coverage has been closely related to household welfare, we aim to investigate the influence of air pollution, in particular, the sulfur dioxide (SO2) pollution on household purchases of commercial health insurance using data from the 2017 China Household Financial Survey (CHFS). The results show that the rise in SO2 emission has a significant positive association with tendency of residents to participate in commercial health insurance. The possibility of household commercial health insurance purchasing increases by 4% per 1,000 tons of SO2 emission. In addition, the proportion of commercial health insurance expenditure in household annual income increases by 29% per 1,000 tons of SO2 emission. The effects are also found to differ among resident groups. Residents in eastern parts of China are more likely to buy commercial health insurance facing SO2 pollution compared to those in western parts of China; people with higher income are more likely to be affected compared to those with lower income; families with the household head being female are more likely to be affected compared to those with the household head being male. This research provides baseline information on the formulation and implementation of future operation strategy in commercial health insurance companies of China.

【 授权许可】

Unknown