摘 要

在环境污染、食品问题和不良的生活方式等方面的影响下，我国居民患重大疾病的概率越来越高，发病率上升、得病人群年轻化。重疾所造成的庞大的医疗费、维持治疗费用以及造成的收入损失是大多数患者家庭因病致贫的主要原因。因此，重大疾病保险便进入我们的视野。重大疾病保险是以约定重大疾病的发生为赔付条件的保险产品，目前是我国最重要的保险产品之一。重大疾病保险可以给面临严重疾病的人提供一定经济上的支持，尽可能地帮助其快速恢复到损失发生前的状态。
目前湖北省神农架林区重疾险的购买率仍然很低，与东部其他省份相比存在一定的差距。本文根据对神农架林区的重大疾病险的需求因素进行问卷调查，根据相关统计数据，探索制约神农架林区重疾险发展的主要原因，并有针对性的解决问题，为保险公司开发合适的保险产品和政府部门制定合理的相关政策提供一些参考，从而推动神农架林区重疾险市场的可持续发展。

关键词：神农架；购买行为；重大疾病保险；购买意愿

Study on the Influencing Factors of the Demand for Major Disease Insurance

ABSTRACT

In the era of fast pace of life, the incidence rate of major diseases is increasing,and the incidence of diseases is increasing and the young people are getting younger. The huge medical cost, maintenance treatment cost and income loss caused by serious diseases are the main reasons for the poverty of most patients' families. Therefore, major illness insurance has entered the public life.Critical illness insurance is an insurance product that takes the occurrence of a major disease accident as the paid condition. At present, it is also one of the important insurance products in China.Major illness insurance can provide some financial support for people facing serious diseases, and help them recover to the state before the loss as soon as possible.
At present, the purchase rate of serious disease insurance in Shennongjia forest region of HubeiProvince is low, and there is still a gap compared with the eastern and other developed provinces. Based on the questionnaire survey on the demand factors of major disease insurance in Shennongjia forest region,this paper explores the main reasons restricting the development of major disease insurance in Shennongjia forest region according to the relevant statistical data, and solves the problems pertinently,so as to provide reference for insurance companies to develop suitable insurance products in the market and for government departments to formulate appropriate policies, so as to promote the development of major disease insurance in Shennongjia forest region Sustainable development of disease insurance market.

Key words： Shen Nongjia;Purchase behavior;Major disease insurance; Purchase intention