The government’s universal health-care insurance is very rudimentary, and private health insurance is not widely available. So households accumulate large amounts of cash as a hedge against the possibility that those funds will be needed some day for hospital care.
但中国家庭将相对较低的储蓄中的如此高的部分储蓄起来的主要原因是确保在家庭成员需要动手术或其他住院治疗时有足够的钱支付高额医药费。人们储蓄这么多是因为保险不足。政府的全民医疗保险非常初级，私人健康保险普及率也比较低。因此家庭只能存储大量现金用于，以防有朝一日需要在医疗上花费重金。