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- Title
补充医疗保险会促进老年家庭旅游消费吗? ——来自CHARLS数据的经验分析.
- Authors
任明丽; 孙琦
- Abstract
Tourism consumption of elderly families is an important social phenomenon and research issue. This study conducts an empirical analysis of the impact of medical insurance, especially supplementary medical insurance, on elderly family tourism consumption to investigate if medical security promotes the elderly’s development consumption, such as tourism consumption. This study uses China Health and Retirement Longitudinal Study (CHARLS) panel data from 2011 to 2018 to estimate supplementary medical insurance’s causal effect on the tourism consumption of elderly families. Propensity score matching estimation and the random effects model were used to solve endogeneity caused by sample selection bias and omitted variables. The study found that: First, supplementary medical insurance has a significant role in promoting family tourism consumption among the elderly. After managing endogeneity caused by sample selection bias and missing variables, compared with the uninsured group, on average the family tourism consumption of the insured group increased by about 40%. The role of basic medical insurance and commercial medical insurance was not significant. Second, the impact of supplementary medical insurance on elderly family tourism consumption can be divided into negative and positive effects. The negative effect is greater than the positive one. Studying the positive effect shows that if there is no supplementary medical insurance, family tourism consumption increases by 35%. The negative effect study shows that if there is no supplementary medical insurance, the family’s tourism consumption will decrease by 68.5%. A mechanism analysis from the perspective of reducing the risk of future uncertainty produced the following results: The self-rated health of the elderly, subjective life expectancy, and childrens financial support play a positive moderating role in the impact of supplementary medical insurance on elderly family tourism consumption. First, the tourism consumption of elderly families in the insured group and the uninsured group showed significant differences in the case of better self-rated health, while the difference was not significant in the case of poor self-rated health. Second, the tourism consumption of the insured and uninsured groups of elderly families is significantly different in the case of optimistic subjective life expectancy. The more optimistic the subjective life expectancy of the elderly, the greater the intensity of their family tourism consumption in the current period after purchasing supplementary medical insurance. In the case of pessimistic subjective life expectancy, the difference in tourism consumption between the insured group and the uninsured group of elderly families is not significant. Third, children’s economic support has a moderating effect. For elderly families getting a high level of economic support from children, if the elderly participate in supplementary medical insurance, their tourism consumption expenditure is significantly strengthened, while for elderly families with low levels, if the elderly participate in supplementary medical insurance, their family tourism consumption suffers a large decline.
- Subjects
MEDICAL tourism; HEALTH insurance; RANDOM effects model; PROPENSITY score matching; CONSUMPTION (Economics); SOCIAL facts; ENDOGENEITY (Econometrics)
- Publication
Tourism Tribune / Lvyou Xuekan, 2023, Vol 38, Issue 2, p30
- ISSN
1002-5006
- Publication type
Article
- DOI
10.19765/j.cnki.1002-5006.2023.02.009