PDF(Pubmed)
Abstract：
As an application of inclusive finance in health insurance, inclusive commercial health insurance (ICHI) is a new public-private partnership-based health insurance scheme and has been vigorously promoted by the Chinese government in recent years to develop China Multi-level Health Insurance System, a system that aims to seek a mix of public and private sources to provide more affordable financial protection to all levels of society in line with their needs. However, the overall enrolment of ICHI scheme is still at a low level, and little is known about what influences residents\' enrolment intentions. The aim of this study was to examine the multidimensional factors influencing residents\' behavioral intentions and to develop a multivariate conceptual model to explore the psychographic process in the formation of enrolment intention.
The empirical data used for model validation were obtained from a cross-sectional study conducted in Nanjing, China, a representative pilot city of ICHI scheme in 2022. Exploratory factor analysis, ANOVA, standard multiple regression, and hierarchical multiple regression were mainly employed for hypothesis testing.
The findings revealed that involvement, perceived benefit, and perceived sacrifice are all crucial psychographic process factors in the formation of residents\' enrolment intentions. Government participation positively moderates the influence path of \"perceived benefit-enrolment intention\" but negatively moderates the path of \"perceived sacrifice-enrolment intention\". Moreover, it was discovered that perceived benefit mediates the effect of involvement on enrolment intention, while perceived sacrifice does not.
Improving residents\' perceived benefit and involvement degree of the product, as well as reducing their perceived sacrifice, are both key to increasing their enrolment intentions. This study also points out that one of the main dilemmas in the current development of ICHI scheme is the low level of involvement among residents, and that optimizing the product design to make it more relevant to residents\' lives is a more beneficial strategy to increase overall involvement.
The empirical data used for model validation were obtained from a cross-sectional study conducted in Nanjing, China, a representative pilot city of ICHI scheme in 2022. Exploratory factor analysis, ANOVA, standard multiple regression, and hierarchical multiple regression were mainly employed for hypothesis testing.
The findings revealed that involvement, perceived benefit, and perceived sacrifice are all crucial psychographic process factors in the formation of residents\' enrolment intentions. Government participation positively moderates the influence path of \"perceived benefit-enrolment intention\" but negatively moderates the path of \"perceived sacrifice-enrolment intention\". Moreover, it was discovered that perceived benefit mediates the effect of involvement on enrolment intention, while perceived sacrifice does not.
Improving residents\' perceived benefit and involvement degree of the product, as well as reducing their perceived sacrifice, are both key to increasing their enrolment intentions. This study also points out that one of the main dilemmas in the current development of ICHI scheme is the low level of involvement among residents, and that optimizing the product design to make it more relevant to residents\' lives is a more beneficial strategy to increase overall involvement.
摘要：
■作为普惠金融在医疗保险中的应用，普惠性商业健康保险（ICHI）是一种新的公私合作的健康保险计划，近年来受到中国政府的大力推动，以发展中国多层次的健康保险制度，一个旨在寻求公共和私人资源混合的系统，根据社会各阶层的需求，为他们提供更负担得起的财政保护。然而,ICHI计划的整体入学率仍然很低，对影响居民入学意向的因素知之甚少。这项研究的目的是研究影响居民行为意向的多维因素，并建立多元概念模型，以探索形成入学意向的心理过程。
■用于模型验证的经验数据来自在南京进行的一项横断面研究，中国,2022年ICHI计划的代表性试点城市。探索性因素分析，方差分析,标准多元回归，主要采用层次多元回归进行假设检验。
■调查结果显示，感知效益，和感知牺牲都是居民入学意向形成的关键心理过程因素。政府参与正向调节“感知的利益-入学意愿”的影响路径，但负向调节“感知的牺牲-入学意愿”的路径。此外，研究发现，感知的利益在参与对入学意向的影响中起中介作用，而感知到的牺牲却没有。
■提高居民对产品的感知效益和参与程度，以及减少他们感知到的牺牲，都是提高他们入学意向的关键。本研究还指出,目前ICHI计划发展的主要困境之一是居民参与程度低,而优化产品设计，使其与居民生活更相关，是增加整体参与的更有益的策略。
■用于模型验证的经验数据来自在南京进行的一项横断面研究，中国,2022年ICHI计划的代表性试点城市。探索性因素分析，方差分析,标准多元回归，主要采用层次多元回归进行假设检验。
■调查结果显示，感知效益，和感知牺牲都是居民入学意向形成的关键心理过程因素。政府参与正向调节“感知的利益-入学意愿”的影响路径，但负向调节“感知的牺牲-入学意愿”的路径。此外，研究发现，感知的利益在参与对入学意向的影响中起中介作用，而感知到的牺牲却没有。
■提高居民对产品的感知效益和参与程度，以及减少他们感知到的牺牲，都是提高他们入学意向的关键。本研究还指出,目前ICHI计划发展的主要困境之一是居民参与程度低,而优化产品设计，使其与居民生活更相关，是增加整体参与的更有益的策略。
