ArticleInternational journal for equity in health2021
Financial protection effects of private health insurance: experimental evidence from Chinese households with resident basic medical insurance.
Article in International journal for equity in health, 2021. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 13 papers.
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13 citing papers in PubMed, 17 citations in OpenAlex.
- Association between commercial health insurance and out-of-pocket health expenditure: evidence from provincial panel data in China, 2011-2022.BMC health services research · 2026Article
- Can supplementary private health insurance reduce vulnerability to expected poverty and catastrophic health expenditure in China?International journal for equity in health · 2025Article
- What influences the impact of health financing reforms? Using qualitative comparative analysis to identify patterns in health financing systems and their effects on financial protection.SSM - health systems · 2025Review
- Global strategies for implementing health financing equity - a state-of-the-art review of political declarations.International journal for equity in health · 2025Review
- Mediating Effect of Illness Perception on the Relationship Between Perceived Family Function and Sleep Quality Among Patients With Atrial Fibrillation.Nursing open · 2024Article
- The burden of health expenditure on household impoverishment in Ethiopia: a systematic review and meta-analysis.Cost effectiveness and resource allocation : C/E · 2024Article
- Effect of supplementary private health insurance on out-of-pocket inpatient medical expenditure: evidence from Malaysia.Health policy and planning · 2024Article
- Factors associated with the enrollment of commercial medical insurance in China: Results from China General Social Survey.PloS one · 2024Article
- Changing inequity in health service utilization and financial burden among patients with hypertension in China: evidence from China Health and Retirement Longitudinal Study (CHARLS), 2011-2018.International journal for equity in health · 2023Article
- Toward Universal Health Coverage: Regional Inequalities and Potential Solutions for Alleviating Catastrophic Health Expenditure in the Post-poverty Elimination Era of China.International journal of health policy and management · 2023Article
- Financial risk protection from out-of-pocket health spending in low- and middle-income countries: a scoping review of the literature.Health research policy and systems · 2022Article
- The comparison of catastrophic health expenditure and its inequality between urban and rural households in China.Health economics review · 2022Article
- Can supplementary private health insurance further supplement health.Frontiers in public health · 2022Article
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Authors and funding
1 author at 1 institution in 1 country.
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No grant is acknowledged in the PubMed record.
Abstract
backgroundAfter achieving universal basic medical insurance coverage, Chinese government put the development of private health insurance (PHI) on its agenda to further strengthen financial risk protection. This paper aims to assess the level of financial protection that PHI provides for its insured households on the basis of resident basic medical insurance (RBMI).
methodsWe employed balanced panel data collected between 2015 and 2017 from the China Household Finance Survey (CHFS). Catastrophic health expenditure (CHE) and impoverishment due to health spending were applied to measure the financial protection effects. Random effects panel logistic regression model was performed to identify the factors associated with CHE and impoverishment among households covered by RBMI. In the robustness test, the method of propensity score matching (PSM) was employed to solve the problem of endogeneity.
resultsFrom 2015 to 2017, the CHE incidence increased from 12.96 to 14.68 % for all sampled households, while the impoverishment rate decreased slightly from 5.43 to 5.32 % for all sampled households. In 2015, the CHE incidence and impoverishment rate under RBMI + PHI were 4.53 and 0.72 %, respectively, which were lower than those under RBMI alone. A similar phenomenon was observed in 2017. Regression analysis also showed that the households with RBMI + PHI were significantly less likely to experience CHE (marginal effect: -0.054, 95 %CI: -0.075 to -0.034) and impoverishment (marginal effect: -0.049, 95 %CI: -0.069 to -0.028) compared to those with RBMI alone. The results were still robust after using PSM method to eliminate the effects of self-selection on the estimation results.
conclusionsIn the context of universal basic medical insurance coverage, the CHE incidence and impoverishment rate of Chinese households with RBMI were still considerably high in 2015 and 2017. PHI played a positive role in decreasing household financial risk on the basis of RBMI.
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