Assortative matching and commercial insurance participation: Evidence from the China Household Finance Survey

Anqi Wu and Xiaoting Zheng

Journal of Asian Economics, 2022, vol. 80, issue C

Abstract: We investigated three assortative matching forms, positive assortative matching, women marrying up and men marrying up, and their effects on household commercial insurance participation, the number of family members with commercial insurance and household premium expenditures. Men marrying up has a significantly positive effect on the possibility of household commercial insurance participation and the number of family members having commercial insurance. The effect of men marrying up is larger in health insurance than in life insurance and annuity due to the salience of health risks. Finally, men marrying up interacts with the gender and risk attitude of the household financial decision-maker and may jointly affect household commercial insurance participation. Female decision-makers in marriages are more likely to purchase commercial insurance.

Keywords: Assortative matching; Gender differences; Commercial insurance (search for similar items in EconPapers)
Date: 2022
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Persistent link: https://EconPapers.repec.org/RePEc:eee:asieco:v:80:y:2022:i:c:s1049007822000197

DOI: 10.1016/j.asieco.2022.101459

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