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道德风险是医疗保险机构面临的主要风险之一,往往引起医疗费用快速不合理增长。医生和患者为了各自利益的最大化而过度提供或过度索取医疗服务,造成了医疗费用不合理的大幅度增长,也带来了医疗资源的大量浪费,同时还恶化了医患关系、降低了社会诚信水平,严重地阻碍了医疗保险事业的健康发展。本文通过探讨在医疗保险中道德风险的表现形式、成因及其影响,旨在对道德风险的防范提出相应的措施。
Moral hazard is one of the major risks faced by medical insurance institutions, often causing rapid and unreasonable growth of medical expenses. Doctors and patients over-providing or over-claiming medical services for the sake of their own interests have caused an unreasonable increase in medical expenses, caused a great waste of medical resources, and also deteriorated the relationship between doctors and patients and reduced social The level of honesty and gravely hindered the healthy development of medical insurance. This article explores the forms, causes and effects of moral hazard in medical insurance in order to put forward corresponding measures to prevent moral hazard.