{"title":"Health Risks and the Decision to Purchase Commercial Health Insurance in China: The Moderating Role of Trust","authors":"Yihong Zhu, Bo Qiu, Wei Zhao","doi":"10.1111/ecpo.70049","DOIUrl":null,"url":null,"abstract":"<div>\n \n <p>From the perspective of moderating effects, this study examines the role of trust in insurance in the process of shaping households' decisions to purchase commercial health insurance (CHI). On the basis of panel data obtained from three waves of the China Household Finance Survey (CHFS), a logit model is employed to estimate the impact of health risk on CHI uptake, after which the moderating effect of trust in insurance on this relationship is analyzed. The results indicate that trust in life insurance significantly moderates the decision to purchase CHI, whereas trust in other insurance products, such as property insurance, has no significant effect in this context. This study clarifies the differentiated ways in which trust in insurance influences CHI purchasing decisions, thus contributing to the literature on the determinants and mechanisms that underlie such decisions. Furthermore, this study offers practical insights for efforts to mitigate adverse selection in the CHI market and enhancing public participation in commercial health insurance.</p>\n </div>","PeriodicalId":47220,"journal":{"name":"Economics & Politics","volume":"38 3","pages":"694-705"},"PeriodicalIF":2.2000,"publicationDate":"2026-10-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Economics & Politics","FirstCategoryId":"96","ListUrlMain":"https://onlinelibrary.wiley.com/doi/10.1111/ecpo.70049","RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"2026/4/8 0:00:00","PubModel":"Epub","JCR":"Q2","JCRName":"ECONOMICS","Score":null,"Total":0}
引用次数: 0
Abstract
From the perspective of moderating effects, this study examines the role of trust in insurance in the process of shaping households' decisions to purchase commercial health insurance (CHI). On the basis of panel data obtained from three waves of the China Household Finance Survey (CHFS), a logit model is employed to estimate the impact of health risk on CHI uptake, after which the moderating effect of trust in insurance on this relationship is analyzed. The results indicate that trust in life insurance significantly moderates the decision to purchase CHI, whereas trust in other insurance products, such as property insurance, has no significant effect in this context. This study clarifies the differentiated ways in which trust in insurance influences CHI purchasing decisions, thus contributing to the literature on the determinants and mechanisms that underlie such decisions. Furthermore, this study offers practical insights for efforts to mitigate adverse selection in the CHI market and enhancing public participation in commercial health insurance.
期刊介绍：
Economics & Politics focuses on analytical political economy, broadly defined as the study of economic and political phenomena and policy in models that include political processes, institutions and markets. The journal is the source for innovative theoretical and empirical work on the intersection of politics and economics, at both domestic and international levels, and aims to promote new approaches on how these forces interact to affect political outcomes and policy choices, economic performance and societal welfare. Economics & Politics is a vital source of information for economists, academics and students, providing: - Analytical political economics - International scholarship - Accessible & thought-provoking articles - Creative inter-disciplinary analysis
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