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<p>This paper empirically investigates the impact of perceived pollution and perceived health risks on private health insurance demand using data from the China Household Finance Survey (CHFS). While theory suggests that higher levels of pollution should translate into health risks, our findings reveal that only perceived health risks significantly influence insurance demand, whereas perceived pollution does not. This result suggests that individuals may not fully grasp the health consequences of pollution. We further demonstrate that this misperception is less pronounced among individuals with higher education and better access to information. Finally, to encourage more protective behaviours against pollution-related health risks, information campaigns that enhance public understanding of pollution’s health effects may prove effective.</p>

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Environmental pollution, health risk perception and insurance take-up: evidence from a national survey in China

  • 期刊论文

  • 发表日期：

    2026年7月24日

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  • Yuan Cao,
  • Yanyin Li,
  • Feiyan Yang,
  • Zheng Jiakun

摘要

This paper empirically investigates the impact of perceived pollution and perceived health risks on private health insurance demand using data from the China Household Finance Survey (CHFS). While theory suggests that higher levels of pollution should translate into health risks, our findings reveal that only perceived health risks significantly influence insurance demand, whereas perceived pollution does not. This result suggests that individuals may not fully grasp the health consequences of pollution. We further demonstrate that this misperception is less pronounced among individuals with higher education and better access to information. Finally, to encourage more protective behaviours against pollution-related health risks, information campaigns that enhance public understanding of pollution’s health effects may prove effective.