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道德风险是保险市场中普遍存在的风险,但是在社会医疗保险领域尤为严重,主要来自于被保险人,医疗服务提供机构以及“医患共谋”三方面,原因主要在于第三方支付效应、价格补偿效应和医疗伦理的异化等。文章认为,大学生作为一个特殊的社会医疗保险的参与群体,既存在着与其他群体相同的道德风险,又具有其特殊性。
Moral hazard is a common risk in the insurance market, but it is particularly serious in the field of social medical insurance, mainly from the insured, the medical service providers and the “doctor-patient complicity” mainly due to the third-party payment effect , Price compensation effect and the alienation of medical ethics. The article holds that college students as a special participating group of social medical insurance exist not only the same moral hazard as other groups, but also their particularity.