医疗机构保险内在化问题初探

The Shallow Analysis on the Problem of the Medical Treatment Organization with the Insurance Company Internalized

从分析看病贵,看病难的现实问题出发,指出医疗市场中第三方付费的存在,引发了道德风险的加剧,从而导致了这种现象的恶化。对比分析美国管理保健,进而提出,将医疗机构保险内在化,并实行连锁经营为主,其他形式并存的方式。

Through the analysis on the realistic problem that it is becoming more and more expensive and difficult to receive medical service, this text points out that the existence of third side billing in the medical treatment market has aggravated the moral hazard to a worse state. Compared with the HMO and PPO in the United States, this text puts forward the idea to internalize the insurance mechanism of medical organizations, and make catenation management as the major form,with other forms existing at the same time.