医疗保险中的道德风险及管理

Morality Risk and Management of Medicare

医疗保险中受利益驱使,参保人、医疗机构、用人单位共同合谋欺诈,以达到非法获利的目的,造成医疗资源过度消耗。针对道德风险,要加强对投保方和医疗服务部门的有效管理和监督。

In the light of morality risk, this paper puts forward that it is neccesary to strengthen effective management and supervision to policy holder and medical treatment service department.