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2020 ; 63
(ä): 101514
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Impact of supplementary private health insurance on hospitalization and physical
examination in China
#MMPMID35058675
Jiang Y
; Ni W
China Econ Rev
2020[Oct]; 63
(ä): 101514
PMID35058675
show ga
Private health insurance (PHI) is considered an important supplement to the basic
social health insurance schemes in the Chinese healthcare system. However,
whether the strategy of engaging PHI as supplementary coverage is effective
cannot be determined without knowing the impact of supplementary PHI on
healthcare access and utilization, the evidence on which is currently absent in
China. Therefore, we aimed to investigate the effects of supplementary PHI on
hospitalization and physical examination to provide such evidence in the Chinese
setting. We conducted a cross-sectional analysis using data from the 2015 wave of
China Health and Retirement Longitudinal Study (CHARLS). Using probit models and
bivariate probit models with instrumental variables (IVs), we evaluated the
effects of supplementary PHI on the utilization of hospitalization and physical
examination. Our analyses provided evidence that supplementary PHI increased the
probability of physical examination but decreased that of hospitalization. Our
findings suggest that supplementary PHI in China may effectively promote the use
of high-value preventive care, thereby reducing subsequent utilization of
expensive medical services. The present study provided preliminary evidence that
the China healthcare system can benefit from engaging PHI as supplements to SHI.