摘要
近年来,微信运动促进群众的运动风潮不断上涨。然而查询已有文献,较少提及微信运动使用与健康保险费率的关系。借由因素萃取、逻吉斯回归、均值检定等方式研究发现,微信健康计步功能使用时间越长的消费者,其住院概率较低(P<0.1),健康保险费率也显著低于不使用微信健康计步功能的消费者(P<0.01)。因此,建议在合法的情况下,进行认识客户工作,采集的数据可作为健康保险订定差异费率的参考。
In recent years,the WeChat-campaign has promoted the movement trend of the masses.However,the relationship between WeChat campaign use and health insurance premium is rarely mentioned in the past literature.By means of factor extraction,Logis regression and mean test,it is found that consumers who use WeChat health step counting function have a lower probability of hospitalization for a longer time,and the health insurance rate is significantly lower than those who do not use WeChat health step counting function.Therefore,suggest that in the case of legality,we should identify customers,and the collected data can provide a reference for health insurance to set differential rates.
作者
周林毅
赵莉莉
ZHOU Linyi;ZHAO Lili(Business College,Wuyi University,Wuyishan Fujian 354300,China)
出处
《科技和产业》
2022年第7期253-258,共6页
Science Technology and Industry
基金
2021年度高校以马克思主义为指导的哲学社会科学学科基础理论研究项目(JSZM2021075)
福建省高校哲学社会科学研究项目(JAS20378)
福建省应用型慕课教学团队项目(SJTD201927)
武夷学院创新创业慕课教学团队项目(JG201913)。
关键词
健康保险费率
微信运动
逻吉斯回归
health insurance premium rate
WeChat campaign
Logistics regression
