A Study on the Current Status and Influencing Factors of Knowledge,Attitudes,and Practices in Inclusive Commercial Health Insurance from the Demand-Side Perspective
- VernacularTitle:需方视角下的普惠型商业医疗保险知信行现状及影响因素研究
- Author:
Yanni JIA
1
;
Wen GU
1
;
Lijun XU
1
;
Yiyin CAO
1
;
Lei LENG
1
;
Xiangjin CUI
1
;
Lan ZHOU
1
;
Jiaxuan SHI
1
;
Haofei LI
1
;
Xu JIN
1
;
Weidong HUANG
1
Author Information
1. 哈尔滨医科大学卫生管理学院 黑龙江 哈尔滨 150081
- Publication Type:Journal Article
- Keywords:
universal commercial medical insurance;
demand-side;
knowledge,attitude,and practice;
influencing factor
- From:
Chinese Health Economics
2025;44(3):25-29,93
- CountryChina
- Language:Chinese
-
Abstract:
Objective:It aims to systematically evaluate the current status of knowledge,attitude,and practice(KAP)regarding universal commercial medical insurance among residents of the sample province from the demand-side perspective.Methods:Utilizing a quota sampling method,face-to-face surveys were conducted via the Questionnaire Star platform to collect demographic characteristics and KAP data of the participants.Comparisons of differences among different groups were made using t-tests,analysis of variance,and chi-square tests.Furthermore,multiple linear regression and structural equation modeling were utilized to analyze the influencing factors of KAP,as well as the pathways among these three factors.Results:Out of the 415 valid questionnaires collected,there were notable differences in KAP among respondents with diverse demographic backgrounds.Regression analysis revealed that education level,frequency of health check-ups,and engagement in other commercial health insurances significantly influenced knowledge;education level,involvement in other commercial health insurances,and self-assessed health status were pivotal in shaping attitudes;whereas age,education level,frequency of health check-ups,and participation in other commercial health insurances were critical in affecting practice.The path analysis results indicate that knowledge of universal commercial medical insurance has a significant direct association with attitude(β=0.379,P＜0.001)and practice(β=0.323,P＜0.001).It also influences practice through attitude as a mediator(β=0.016,P＜0.001),but the direct effect of attitude on practice is not significant(β=0.04,P=0.403).Conclusion:While residents in the sample province exhibit a positive attitude towards universal commercial medical insurance,there is a need to enhance their level of knowledge and engagement in practice.It is recommended to strengthen targeted educational and promotional measures to promote the healthy and sustainable development of universal insurance.
