A firm-level analysis of Chinese commercial health insurance surrender

Ling Tian and Haisong Dong

PLOS ONE, 2024, vol. 19, issue 3, 1-14

Abstract: Based on the unbalanced panel data of Chinese professional health insurance companies from 2011 to 2021, the paper constructs "PW+PCSE" model to empirically investigate the main factors affecting the commercial health insurance surrender in China from the company level. The results show that asset-liability ratio has a significant positive effect on health insurance surrender rate. The value preservation and appreciation rate of capital and R&D expenditure rate both have significant negative effects on health insurance surrender rate. These studies bring important enlightenment for domestic health insurance companies to avoid surrender risk.

Date: 2024
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Persistent link: https://EconPapers.repec.org/RePEc:plo:pone00:0296695

DOI: 10.1371/journal.pone.0296695

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