Household' health crisis and insurance decision management—the effect of poverty on rural household health risks and isurance-decision

摘要

Poverty is a vital influence factor on households' health and insurance decision-making. This paper, under a structure of poverty-health and poverty-insurance decision, through a experiential analysis, is to study the effect of household' poverty on rural household' health and insurance decision. According to the outcome of the analysis, this paper indicates that household' poverty affects households' health and insurance decision significantly, the more poor, the more likeliness to have bad health situation and negative will to join in the rural basic social insurance, such as rural endowment insurance and New-type Rural Cooperative Medical System. This paper, also, analyses the richest group of rural households, which demonstrate some particularity. This paper, according to the outcome, brings forward some ideas such as to raise peasants' income, enhance the level of rural social insurance, and to develop a variety of insurance in rural China.