Model Perspective

Aug 30, 2026 · Industry Insights

Does China's Health Insurance Favor the Rich? A Data‑Driven Fairness Analysis

A 2023 study shows that the poorest 20% of Chinese households shoulder 37% of health needs yet receive only 6.8% of reimbursements, while the richest 20% bear 7.8% of needs and obtain 43.7%, revealing deep inequities in how insurance benefits are actually accessed.