The Game Analysis And Countermeasures Of Moral Hazard In Medical Insurance

As a result of medical insurance own management characteristics,the medical insurance market has many participants mainly including the third-party medical services (insurers),medical service providers(medical institutions)and medical service demanders ( insurants ) .In addition , the information among the participants is asymmetrical seriously. Above all of that induces moral hazard exists in the medical insurance market widely.As a result of moral hazard's existence,the loss ratio of the Insurance company stays at a high level. At the same time,Moral hazard has wasted the medical resources excessively,and made the fee-for-service,separated from the level of the medical safeguard,mount up malignantly,which will increase insurers'management cost and societal burden. Furthermore,moral hazard also twists the normal relationship between doctors and patients,leads to discrimination and inequality,worsens the relationship between doctors and patients,and even affects the medical service to be provided normally. In brief,moral hazard's existing has seriously influenced our medical insurance enterprise. Therefore,it is very necessary to research moral hazard of medical insurance.For the development of insurance,this article analyzes the relationship among the third-party medical services (insurers),medical service providers (medical institutions) and medical service demanders ( insurants ) based on the theory of Game and principal-agent and this brings forward some specific suggestions and measures to shun moral hazard.