通讯作者: 高红霞, gaohongxia@hust.edu.cn

DOI：10.12201/bmr.202502.00052

A Study on the the Preferences for Professional Risks Insurance among Healthcare Professionals in Tertiary Hospitals in China: Based on a Discrete Choice Experiment from 9 Hospitals in Shandong Province

• 摘要：目的:探讨我国三甲医院医护人员执业风险保险偏好,为了解核心诉求与制定个性化保障方案提供参考依据。方法:采用分层与便利抽样相结合的方式,对山东省9家三甲医院187名医护人员进行问卷调查。采用混合Logit模型与联合效用方法对整体及临床/非临床亚组进行分析。结果:整体分析中,混合Logit模型显示,赔付方式、投保平台、投保年限的不同,对医护人员进行保险属性偏好选择具有显著影响(p < 0.05),影响最大的是赔付方式(β=0.220)；联合效用显示,投保年限的相对重要性最大(39%),保费金额相对重要性最小(4%)。亚组分析中,对于临床医师,赔付方式、投保年限的不同,保险属性偏好选择具有显著影响,影响最大的是赔付方式(β=0.277)；其次是投保年限。非临床医师中,保费与投保平台具有显著影响。影响最大为保费的金额。结论:高效是医护人员选择保险偏好时共同核心考虑因素,经济因素并非临床医师考虑的核心范畴；医师协会在保障执业风险中影响与作用有待提高。建议后续出台相关险种时充分考虑执业范围的不同,进行针对性强化某些属性的需求,加强医师协会在保障执业风险中的影响力。

  关键词： 执业风险；偏好研究；三甲医院；离散型选择实验; ; ; 

   

  Abstract: Objective: To investigate the preferences for professional risks insurance among healthcare professionals in Chinese tertiary hospitals, providing a reference for understanding core demands and formulating personalized insurance plans. Methods: A questionnaire survey was conducted among 187 healthcare professionals from 9 tertiary hospitals in Shandong Province using a combination of stratified and convenience sampling. Mixed Logit models and the joint utility method were employed for analysis of the overall sample and clinical/non-clinical subgroups. Results: The mixed Logit model revealed that the type of compensation, insurance platform, and insurance duration significantly influenced the insurance attribute preferences of healthcare professionals (p < 0.05), with the type of compensation having the greatest impact (β=0.220). The joint utility analysis indicated that insurance duration was of the highest relative importance (39%), while the premium amount was of the least importance (4%). In subgroup analysis, for clinical professionals, the type of compensation and insurance duration significantly influenced insurance attribute preferences, with the type of compensation having the greatest impact (β=0.277), followed by insurance duration. For non-clinical professionals, the premium amount and insurance platform were significant factors, with the premium amount being the most influential. Conclusion: Efficiency is a common core consideration for healthcare professionals when choosing insurance preferences, while economic factors are not central to the considerations of clinical professionals. The influence and role of medical associations in ensuring professional risks need to be enhanced. It is suggested that future insurance products should fully consider the differences in the scope of practice, target certain attributes for enhancement, and strengthen the influence of medical associations in ensuring professional risks.

  Key words: Professional Risks; Preference Research; Tertiary Hospitals; Discrete Choice Experiment

  提交时间：2025-02-24

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• 序号	提交日期	编号	操作
  1	2024-12-10	10.12201/bmr.202502.00052V1	下载

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