Table 6 Coefficients and marginal effects at the means of the probit regression of supplemental private health insurance enrolment on the adjusted risk of hospitalization

Adjusted risk of hospitalization

−1.668^* (0.808)

−0.108 (0.0563)

Live in rural area

−0.338^*** (0.100)

−0.0219^** (0.00772)

Age

−0.0191^*** (0.00544)

−0.00124^*** (0.000373)

Male

−0.00874 (0.131)

−0.000567 (0.00851)

 High blood pressure

0.0883 (0.130)

0.00572 (0.00861)

 Diabetes

−0.0383 (0.171)

−0.00248 (0.0111)

 Cancer

0.233 (0.324)

0.0151 (0.0210)

 Lung disease

−0.224 (0.160)

−0.0145 (0.0106)

 Heart problem

0.218 (0.122)

0.0141 (0.00772)

 Stroke

−0.781 (0.404)

−0.0506 (0.0271)

 Psychiatric problem

−0.518 (0.380)

−0.0336 (0.0252)

 Arthritis

−0.108 (0.112)

−0.00698 (0.00731)

 Dyslipidaemia

0.0710 (0.128)

0.00460 (0.00829)

 Liver disease

0.00233 (0.171)

0.000151 (0.0111)

 Kidney disease

0.561^* (0.282)

0.0364 (0.0198)

 Stomach/digestive disease

−0.0249 (0.119)

−0.00161 (0.00770)

 Asthma

0.123 (0.222)

0.00800 (0.0144)

 Memory problem

0.687 (0.362)

0.0446 (0.0244)

Household total wealth (in thousand Chinese ¥)

0.00000234 (0.00000844)

0.000000152 (0.000000545)

Annual personal income (in thousand Chinese ¥)

0.00267 (0.00275)

0.000173 (0.000182)

Smoke now

−0.00990 (0.126)

− 0.000642 (0.00816)

Drink alcohol daily or more often

−0.157 (0.133)

− 0.0102 (0.00888)

Have commercial pension

1.051^*** (0.282)

0.0682^*** (0.0184)

Education high school or above

0.153 (0.136)

0.00994 (0.00870)

N

9403