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在社会保险的五大险种中,医疗保险是保障范围最大,保险内容最多以及运行机制最复杂的项目。但是,随着医保政策的出台,许多问题也浮出水面。本文主要是从医保市场各大主体即社会人群(保险需方)、医疗保险的提供方(保险方)、医疗服务的提供方(医疗供方)和有关政府部门(管理方)以及医药公司之间的关系链角度浅析医保市场的道德风险问题并提出相应防范措施。
Among the top five types of social insurance, Medicare is the most comprehensive coverage, the most insured content and the most complex operating mechanism. However, with the introduction of the medical insurance policy, many problems have surfaced. This article is mainly from the main body of the health insurance market that is the social population (insurance demand side), health insurance providers (insurers), providers of medical services (medical providers) and the relevant government departments (managers) and pharmaceutical companies Analysis of the moral hazard in the medical insurance market and the corresponding preventive measures.