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。

This paper analyzes the social medical insurance in the form of moral hazard problem:moral hazard from the insured,from the moral hazard of medical institutions,including the patient collusion,asymmetric information,the special nature of medical spending,our current social medical insurance system vulnerabilities and other issues,and proposed social health insurance in preventing moral hazard problem generated response.