Moral Hazard in Medical Insurance and Its Precaution / 中国医学伦理学

ABSTRACT

Since there is dissymmetry of information in medical insurance market,it is inclined to result in moral hazard.In our country,moral hazard in medical insurance has always been very conspicuous.To maximize their profit,doctors and patients either excessively supply or excessively demand the medical service.This has led to unreasonable and remarkable increase in medical expenditure and great waste in medical resources.At the same time,Moral hazard has deteriorated the relationship between doctors and patients and degraded the social integrity.This thesis adapts the document research method to discuss the appearance,causes and influences of moral hazard in medical insurance in order to put forward some measures for its precaution.