摘要
基本医疗保险是共保率不为零的不完全保险。基本医疗保险最优共保率在理论上可以分为代表性患者最优共保率和社会最优共保率。基本医疗保险在实际运作中应该以共保率确定的理论办法为依据对其社会共保率进行经验调整。
Basic medical insurance is an incomplete insurance that its coinsurance rate is not equal to zero.The theoretic optimum coinsurance rate of basic medical insurance includes representative patient optimum coinsurance rate and social optimum coinsurance rate.Social coinsurance rate of basic medical insurance should have the experiential regulation in the practice according to the theoretic methods established the coinsurance rate of basic medical insurance.
出处
《中国卫生经济》
北大核心
2009年第10期35-38,共4页
Chinese Health Economics
关键词
基本医疗保险
道德风险
共保率
basic medical insurance
moral hazard
coinsurance rate
