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在基本医疗保险与卖方医疗市场的博弈中,医疗机构一直掌握着主动权。借鉴基本医疗保险十余年所走过的曲折道路,专业化的健康保险公司发展之路必须规避医疗信息不对称带来的道德风险,同时还要在同业竞争中面对创业和展业过程中的一系列困难。健康保险业要历经起步、健康资源整合和稳定发展三个必然的历程而成熟。专业化的健康保险经历发展壮大之后,会衍生出重要的、专业化的医疗行为监理职能。
Medical institutions have always had the initiative in the game between the basic medical insurance and the seller’s medical market. Drawing on the tortuous path taken by more than ten years of basic medical insurance, the development of specialized health insurance companies must avoid the moral hazard brought by the asymmetry of medical information, and at the same time, A series of difficulties. The health insurance industry has matured through the three necessary courses of start-up, integration of healthy resources and steady development. Professional health insurance experience After the growth and development, will derive an important, professional medical behavior supervision functions.