Perceived aging risk and private medical insurance intentions
Education, subjective health, and a China–Malaysia comparison
Bibliographic Data
| ID | 22086025 |
|---|---|
| Authors | Zhangwei Zheng (0009-0004-9813-4214, Sunway University), B A M Hafizuddin-Syah (0000-0002-9738-9432, National University of Malaysia), Hafizah Omar Zaki (0000-0003-4167-9534, National University of Malaysia), Qin Lingda Tan (0009-0008-2435-4184, National University of Malaysia) |
| Year | 2026 |
| Volume | 14 |
| Pages | 1731431-1731431 |
| Publication date | 2026-06-04 |
| Open Access | Yes |
| Type | ARTICLE |
| Venue | Frontiers in Public Health (JOURNAL) |
| Journal identifiers | ISSN: 2296-2565 • E-ISSN: 2296-2565 |
| Publisher | Frontiers Media SA (PUBLISHER • CH) |
| DOI | 10.3389/fpubh.2026.1731431 |
| PMID | 42326899 |
| OpenAlex | W7163547546 |
| Language | EN |
| References cited | 36 |
Introduction: Population aging raises uncertainty about future healthcare costs, pension adequacy, and financial security, yet evidence remains limited on how aging-related risk perceptions shape private medical insurance (PMI) intentions among adult consumers aged 18-64. This study examines whether perceived aging risk (AR) is associated with PMI purchase intentions and whether education, subjective health status, and national context condition this association. Methods: = 899) were estimated, with demographic, health, insurance-experience, and income controls. Results: AR was consistently and positively associated with PMI purchase intentions across all models, whereas education and subjective health status showed no direct effects. In Malaysia, the AR-intention association was stronger among lower-education respondents and those reporting better subjective health; these moderation effects were not observed in China. The pooled model indicated that national context conditioned only education-based moderation. Discussion: The findings suggest that AR is a robust expectancy-based correlate of PMI intentions, but its translation into intention depends on context-specific consumer resources. PMI communication in aging societies should combine aging-risk framing with locally calibrated education-sensitive implementation
Health and Retirement Study · Moderation · Pension · Pension insurance · Perception · Population · Population ageing · Risk perception · Aging and Gerontology Research · Decision-Making and Behavioral Economics · Financial Literacy, Pension, Retirement Analysis
Prediction
Education and Cognitive Functioning Across the Life Span
PLS-Sem
When to use and how to report the results of PLS-SEM
Motivational and self-regulated learning components of classroom academic performance.
Determining Sample Size for Research Activities
Demand for Long-Term Care Insurance in China
Association between women’s household decision-making autonomy and health insurance enrollment in sub-saharan Africa
Uptake of voluntary health insurance and its impact on health care utilization in Ghana
Health insurance and subjective health status
| Highly cited | No |
|---|