摘要
医疗保险市场中,保险人面临着投保人的逆向选择和道德风险。第三方付费制度缺乏对相关主体有效约束,容易诱导道德风险产生。防范商业医疗险投保人道德风险,应采取以下对策:一是加强合同设计时道德风险的控制;二是加强核保时道德风险的控制;三是加强理赔时道德风险的控制;四是建立诚信制度,加强诚信治理。
The insurer is facing adverse selection and moral hazard in medical insurance market because the third party payment lacks effective supervision to related bodies. The following countermeasures should be utilized to prevent the moral hazard from policy holders, i.e. designing insurance contract carefully to prevent policy-holders＇ moral hazard ; strengthening the moral hazard management in underwriting and claiming; and establishing credit system to reinforce credibility management.
出处
《石家庄学院学报》
2014年第1期34-37,共4页
Journal of Shijiazhuang University
基金
江西中医药大学2012年度重点学科青年教师培养计划资助项目(2012jzzdxk065)
关键词
商业医疗保险
道德风险
信息不对称
commercial health insurance
moral hazard
information asymmetry
