Artificial Intelligence Analysis of Outdoor Sports Risk Self-Assessment on Insurance Psychology
Bibliographic Data
| ID | 15480466 |
|---|---|
| Authors | Zhiling Chen (0009-0007-3320-3356, University of South China), Xinghong Dai (0000-0003-3285-947X, Hunan University, corresponding author), Zhigang Tan (University of South China) |
| Year | 2023 |
| Volume | 20 |
| Issue | 4 |
| Pages | 3140-3140 |
| Publication date | 2023-02-10 |
| Open Access | Yes |
| Type | ARTICLE |
| Venue | International Journal of Environmental Research and Public Health (JOURNAL) |
| Journal identifiers | ISSN: 1661-7827 • E-ISSN: 1660-4601 |
| Publisher | Multidisciplinary Digital Publishing Institute (PUBLISHER • CH) |
| DOI | 10.3390/ijerph20043140 |
| PMID | 36833843 |
| OpenAlex | W4320496224 |
| Language | EN |
| References cited | 6 |
The development potential of China's medical insurance market is huge, and the research on medical insurance demand has always been the focus of academic discussions. As a result, the discipline of behavioral economics is derived, which aims to explain the decision-making behavior of individual insurance consumption. Among them, the focus of this study was to investigate the influence of individual psychological characteristics and cognitive level on insurance behavior under the difference of reference points. This paper combined behavioral insurance, actuarial mathematics and the econometrics knowledge system, comprehensive theoretical analysis, and empirical tests and analyzed the impact mechanism of individual frame effect on medical insurance demand under different reference points at multiple levels. At the same time, based on the risk self-assessment of outdoor sports, the artificial intelligence of insurance psychology was analyzed. Based on the correlation vector machine algorithm and the theoretical basis combined with the dual perspective of insurance products, the expected utility model was established under the "guarantee framework", and the prospect theoretical model was established under the "profit and loss framework". The framing effect was used to measure the relative size of "guarantee utility" and "profit and loss utility", and a high-insurance-rate model and a low-insurance-rate model were established. The theoretical model analysis found that under the high insurance rate, because the "profit and loss utility" is positive, the size of the individual frame effect is positively correlated with the willingness to insure. Under the low insurance rate, because the "profit and loss utility" is negative, the size of the individual frame effect is negatively correlated with the willingness to insure. The research results of this paper show that insurance is an important beginning of insurance consumption behavior, which includes the complex mentality and emotion of consumers on insurance activities. The insurance demand of policyholders is formed by the joint action of external and internal incentives. Many factors such as income level and education level play an important role in insurance consumption decision making
Actuarial science · Behavioral economics · Economics · Expected utility hypothesis · Framing effect · Insurance policy · Key person insurance · Microeconomics · Profit (economics · Prospect theory · Optimism, Hope, and Well-being · Psychology · Social Psychology
Outdoor Activity in the Daytime, but Not the Nighttime, Predicts Better Mental Health Status During the Covid-19 Curfew in the United Arab Emirates
The Conditionality of Outdoor Sports Events on Weather-Induced Impacts and Possible Solution
Back gardens and friends
Outdoor Activity Associated with Higher Self-Reported Emotional Well-Being During Covid-19
Outdoor Fitness Equipment Usage Behaviors in Natural Settings
Outdoor Activity Participation Improves Adolescents’ Mental Health and Well-Being during the Covid-19 Pandemic
| Highly cited | No |
|---|