IDEAS home Printed from https://ideas.repec.org/a/spr/snbeco/v3y2023i11d10.1007_s43546-023-00558-6.html
   My bibliography  Save this article

Can commercial health insurance improve family happiness?

Author

Listed:
  • Tongpu Zhao

    (University of International Business and Economics)

Abstract

This paper evaluates the happiness benefits of commercial health insurance in China’s multi-level medical security system using a treatment effect model, and explores the ways in which commercial health insurance affects family happiness and the heterogeneity of its effects on different levels of happiness. I found that the current development of commercial health insurance has a significant promotion effect on the level of family happiness, and this promotion effect is partly transmitted by improving family health status and increasing household non-medical health care consumption expenditure. However, the happiness benefits and transmission mechanisms of commercial health insurance have obvious heterogeneity characteristics for families with different levels of happiness, and the positive impact on “happier” families is more prominent. The “Matthew effect” indicates that there are certain unfair problems in commercial health insurance at present. To alleviate this unfair problem, the government and the insurance industry should try to introduce commercial health insurance that benefits more people and fully cater for the needs of different classes of people. The research conclusions of this paper are also applicable to other countries where the development of commercial health insurance is in its infancy.

Suggested Citation

  • Tongpu Zhao, 2023. "Can commercial health insurance improve family happiness?," SN Business & Economics, Springer, vol. 3(11), pages 1-23, November.
    • Handle: RePEc:spr:snbeco:v:3:y:2023:i:11:d:10.1007_s43546-023-00558-6
    DOI: 10.1007/s43546-023-00558-6
    as

    Download full text from publisher

    File URL: http://link.springer.com/10.1007/s43546-023-00558-6
    File Function: Abstract
    Download Restriction: Access to the full text of the articles in this series is restricted.
    File URL: https://libkey.io/10.1007/s43546-023-00558-6?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:spr:snbeco:v:3:y:2023:i:11:d:10.1007_s43546-023-00558-6. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.