风险信息框架通过时间取向和感知风险对癌症药物保险（CDI）购买决策的影响：一项调查实验研究

摘要(中文译文)

中国正在积极推进癌症药品保险（CDI），以减轻癌症日益加重的负担。然而，向消费者提供的风险信息框架在扩大CDI覆盖范围方面的有效性仍然知之甚少。本研究旨在考察风险信息框架（RIF）对个人CDI购买决策的影响，以及时间导向和感知风险在这些框架中的作用。这项全国性的在线调查招募了5583名年龄在18至60岁之间的合格参与者 2025年8月，中国。采用设计的风险信息框架进行了一项基于随机调查的实验，以引出CDI购买决策。参与者在做出CDI购买决策之前，要么接触低风险信息框架（LRIF），要么接触高风险信息框架。描述性统计和中介效应模型用于分析参与者购买CDI的决定。在2825名符合条件的LRIF参与者中，364人（12.9%）没有参加CDI保险，1507人（53.3%）参加了长期CDI计划（选择了3个选项 年）。在2758名符合条件的HRIF参与者中，99人（3.6%）没有参加CDI保险，1881人（68.2%）参加了长期CDI计划。在LRIF下，感知风险在当前导向态度和CDI购买之间的中介作用为-0.030[95%CI:0.072，-0.003]，在未来导向态度和CDP购买之间为0.089[95%CI:0.064，0.118]。在HRIF下，感知风险的相应中介效应为-0.006[95%CI:0.024，-0.001]和0.022[95%CI:0.010，0.038]。人权倡议可以刺激个人采用CDI。潜在的机制可能是，人权影响框架抑制了一种以现在为导向的态度，并强化了一种面向未来的态度，其中感知风险是一个中介因素。这些发现强调了强调RIF设计以促进CDI覆盖的必要性。

Abstract

China is actively promoting cancer drugs insurance (CDI) to alleviate the growing burden of cancer. However, the efficacy of risk information frameworks supplied to consumers in expanding CDI coverage remains poorly understood. This study aimed to examine the impact of the risk information framework (RIF) on individuals' CDI purchase decisions, as well as the roles played by time orientation and perceived risk within these frameworks. This nationwide online survey enrolled 5,583 eligible participants aged from 18 to 60 years old in August 2025 in China. A randomized survey-based experiment with the designed risk information frameworks was conducted to elicit CDI purchase decisions. Participants were exposed to either a low-risk information framework (LRIF) or a high-risk information framework (HRIF) before making CDI purchase decisions. Descriptive statistics and mediating effect models were used to analyze participants' decisions to purchase CDI. Among 2,825 eligible participants in LRIF, 364 (12.9%) were not insured by CDI, and 1,507 (53.3%) were insured by long-term CDI schemes (selected the option of 3 years). Among 2,758 eligible participants in HRIF, 99 (3.6%) were not insured by CDI, and 1881 (68.2%) were insured by long-term CDI schemes. Under LRIF, the mediating effects of perceived risk between present-oriented attitude and CDI purchase were -0.030 [95%CI: -0.072, -0.003], and between future-oriented attitude and CDI purchase were 0.089 [95%CI: 0.064, 0.118]. Under HRIF, the corresponding mediating effects of perceived risk were -0.006 [95%CI: -0.024, -0.001] and 0.022 [95%CI: 0.010, 0.038]. HRIF could stimulate an individual's CDI adoption. The underlying mechanism may be that HRIF restrains a present-oriented attitude and reinforces a future-oriented one, with perceived risk as a mediating factor. These findings underscore the need to emphasize RIF designs to promote CDI coverage.

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