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一、社会医疗保险中道德风险的表现1.医疗服务供方的道德风险。一是过度用药。对于疗效差不多的药品,医院偏向于开高价新药和进口药;而且,不是因病施药,而是往往开可用可不用或患者实际上并不需要的药品。发达国家药费在医疗总费用中的比重约为14%,发展中国家为14%—40%不等,而在我国却高达52%。二是过度检查。在自身利益驱动下,医生以各种理由要求患者做没有必要的检查,本来可以通过常规检查诊断,却诱导患者做高新仪器检查。三是过度收费。不少医院乱收费,同一种
First, the performance of moral hazard in social health insurance 1. Moral hazard of providers of medical services. First, over-medication. For drugs of similar efficacy, the hospital prefers high-priced new drugs and imported drugs; moreover, it does not apply because of illness, but often opens up drugs that may or may not actually be needed by the patient. Medicines in developed countries account for about 14% of the total medical expenses, while developing countries are 14% -40%, while in our country they are as high as 52%. Second, over-inspection. Driven by their own interests, doctors require patients to make unnecessary examinations for various reasons that could have been routinely diagnosed and induced, but patients were induced to do high-tech examinations. Third, over charges. Many hospitals arbitrary charges, the same