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医疗保险中的道德风险使医疗费用快速不合理地增长。道德风险产生的根源是信息不对称,表现形式包括被保险人的过度消费和医疗机构的诱导需求。本文对我国医疗保险及其表现,道德风险产生的原因等方面进行了论述,分析了医疗保险中道德风险的约束机制和防范措施,对当前医疗保险制度的改革与完善方面提出一点建议。
The moral hazard in health insurance has caused the medical expenses to grow rapidly and unjustifiably. The root cause of moral hazard is information asymmetry. The manifestations include the over-consumption of insured persons and the induced demand of medical institutions. This article discusses the aspects of medical insurance in our country and its performance and the causes of moral hazard. It analyzes the restraint mechanism and precautionary measures of moral hazard in medical insurance, and puts forward some suggestions on the reform and perfection of medical insurance system.