社会医疗保险中的道德风险及对策分析

文章分析了社会医疗保险中道德风险问题的表现形式:来自参保人员的道德风险,来自医疗机构的道德风险,包括医患合谋、信息不对称、医疗消费的特殊性,我国目前社会医疗保险制度的漏洞等问题,并提出了防范社会医疗保险中道德风险问题产生的对策。

The article has analyzed in the society medical insurance the moral hazard question manifestation:From the insured personnel's moral hazard, from Medical establishment's moral hazard, the particularity which including the medical trouble plot, the information symmetry, the medical service does not expend, our country present society system of medical care insurance's questions and so on crack, and proposed in the guard society medical insurance the moral hazard question produces countermeasure.