The Moral Hazard And It's Elusion In The Social Medical Insurance Of Our Country

Moral hazard exists in the medical insurance widely. This article introduced the question of the moral hazard in the social medical insurance of our country with three parts. In part one, we analyzed the character, trait and function of the social medical insurance, as well as some of the information about the social medical insurance of our country. Then, we put forward the conception of the moral hazard in the social medical insurance. In part two, we analyzed the appearance form and causation about the moral hazard of the social medical insurance (Based on the third square pay, because of the information dissymmetry, personal opportunism, particularity of the medial consumption and the medial insurance system's loophole, cased the overspread of the moral hazard in the social medical insurance of our country), and analyzed the negative effect of the moral hazard. In part three, Firstly, we hackled and estimated the reformation process about the social medical insurance system of our country; Secondly, we analyzed and summarized the foreign country's experience on evading the moral hazard; At last, we put forward the elusion method about the moral hazard in the social medical insurance of our country. The main idea is: We could actualize our goal on the foundation of the experiences and lessons of both here and abroad, premising that we should guarantee the insurance function of our country's medical insurance system, according to our country's practical situation, carrying on a series of institution action, controlling the doctors and the patients, and adding to some correlation steps, to hold back the overspread of the moral hazard.