From: Risk selection into supplemental private health insurance in China
Coefficient | Marginal effect at the means | |
---|---|---|
First-stage regression | ||
Answering the general health question at the beginning of health section | −0.258*** (0.0426) | − 0.0690*** (0.0113) |
Second-stage regression | ||
General Health Indicatora | 1.574*** (0.184) | 0.244** (0.0751) |
Live in rural area | −0.213** (0.0687) | − 0.0330** (0.0109) |
Age | − 0.0153*** (0.00465) | − 0.00238*** (0.000598) |
Male | −0.0276 (0.0910) | − 0.00427 (0.0139) |
Ever had condition | ||
High blood pressure | 0.0393 (0.0851) | 0.00609 (0.0131) |
Diabetes | − 0.0990 (0.116) | −0.0154 (0.0181) |
Cancer | 0.0788 (0.236) | 0.0122 (0.0365) |
Lung disease | −0.228* (0.114) | − 0.0353* (0.0171) |
Heart problem | 0.0713 (0.0919) | 0.0111 (0.0136) |
Stroke | −0.542 (0.295) | −0.0840 (0.0449) |
Psychiatric problem | −0.382 (0.260) | − 0.0592 (0.0402) |
Arthritis | −0.0755 (0.0764) | − 0.0117 (0.0116) |
Dyslipidaemia | 0.0173 (0.0883) | 0.00268 (0.0137) |
Liver disease | −0.0117 (0.121) | −0.00182 (0.0187) |
Kidney disease | 0.353 (0.191) | 0.0547 (0.0285) |
Stomach/digestive disease | −0.0347 (0.0837) | − 0.00538 (0.0130) |
Asthma | 0.0495 (0.167) | 0.00767 (0.0255) |
Memory problem | 0.408 (0.236) | 0.0632 (0.0380) |
Household total wealth (in thousand Chinese ¥) | 0.00000366 (0.00000679) | 0.000000568 (0.00000105) |
Annual personal income (in thousand Chinese ¥) | 0.00286 (0.00215) | 0.000443 (0.000315) |
Smoke now | 0.0395 (0.0835) | 0.00612 (0.0130) |
Drink alcohol daily or more often | −0.0750 (0.0866) | −0.0116 (0.0138) |
Have commercial pension | 0.783** (0.240) | 0.121*** (0.0331) |
Education high school or above | 0.117 (0.0902) | 0.0182 (0.0140) |
ρ | −1.243*** (0.328) | |
N | 9403 |