社会医疗保险中的道德风险是指由于社会医疗保险的提供,减少了个人躲避和防范风险的动力,从而扭曲了损失发生的概率,这时就产生了“道德风险”问题,其实质是由于信息结构的不对称引起的。一般来说,在有医疗保险的情况下,人们会自觉或不自觉地倾向于提高医疗消费水平,扩大医疗保险费用的开支,从而产生道德风险。 Moral hazard in social medical insurance refers to the problem of “moral hazard ” in essence because of the provision of social medical insurance, which reduces the incentive for individuals to avoid and prevent risks, thereby distorting the probability of loss. Due to the asymmetric information structure caused. In general, with medical insurance, people will consciously or unconsciously tend to raise their medical spending levels and expand their medical insurance expenses, resulting in moral hazard.