Table 4 Estimates of the coefficients and marginal effects from the probit regression of supplemental private health insurance enrolment on general health indicator adjusting for demographic variables, physical conditions, and risk tolerance proxies (equation 3)
From: Risk selection into supplemental private health insurance in China
| Coefficient | Marginal effect | |
|---|---|---|
| General Health Indicatora | 0.281* (0.116) | 0.0182* (0.00809) |
| Live in rural area | −0.319** (0.0983) | − 0.0207** (0.00755) |
| Age | −0.0222*** (0.00568) | −0.00144*** (0.000406) |
| Male | −0.0604 (0.133) | −0.00392 (0.00872) |
| Ever had condition | ||
| High blood pressure | 0.0767 (0.128) | 0.00498 (0.00847) |
| Diabetes | −0.146 (0.171) | − 0.00950 (0.0111) |
| Cancer | 0.0896 (0.322) | 0.00582 (0.0208) |
| Lung disease | −0.323* (0.155) | −0.0210* (0.0107) |
| Heart problem | 0.112 (0.128) | 0.00727 (0.00809) |
| Stroke | −0.823* (0.413) | −0.0534 (0.0278) |
| Psychiatric problem | −0.499 (0.380) | − 0.0324 (0.0251) |
| Arthritis | −0.0969 (0.112) | − 0.00629 (0.00736) |
| Dyslipidaemia | 0.00348 (0.128) | 0.000226 (0.00828) |
| Liver disease | −0.0548 (0.173) | − 0.00356 (0.0113) |
| Kidney disease | 0.507 (0.270) | 0.0329 (0.0189) |
| Stomach/digestive disease | −0.0487 (0.121) | −0.00316 (0.00789) |
| Asthma | 0.0994 (0.227) | 0.00646 (0.0147) |
| gMemory problem | 0.586 (0.345) | 0.0381 (0.0231) |
| Household total wealth (in 1000 Chinese ¥) | 0.00000417 (0.00000866) | 0.000000271 (0.000000559) |
| Annual personal income (in 1000 Chinese ¥) | 0.00424 (0.00280) | 0.000275 (0.000190) |
| Smoke now | 0.0487 (0.123) | 0.00316 (0.00798) |
| Drink alcohol daily or more often | −0.115 (0.129) | −0.00748 (0.00855) |
| Have commercial pension | 1.046*** (0.282) | 0.0680*** (0.0183) |
| Education high school or above | 0.155 (0.135) | 0.0100 (0.00865) |
| N | 9403 | |