Table 5 Coefficients and marginal effects at the means of the bivariate probit regression of supplemental private health insurance enrolment on general health indicator using the order of answering the general health question as an instrumental variable
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 | |