The Research Of The Moral Hazard Problem And Its Control In Our Country's Current Social Medical Insurance In Urban Area

Medical insurance is an important portion of our country's social security system. Its supply and development situation relate to every citizens. Because of the medical expenses stay in a high position, the masses of the people reflect that it is rather difficult and expensive to see a doctor. Facing the higher medical expenses, many people do not have enough treatment or have to give up treatment because of their economic situations, at last some people even lose their lives because of these reasons. All these reflect that there are many disadvantages and imperfect places in our medical and health system. For the obvious information asymmetry in medical care market, the moral hazard problem existed in medical service makes the medical expenses in an upward tendency continuously and becomes a chronic and stubborn disease in our society. Whether the medical expenses can be controlled effectively and reasonably is the key point that decides whether the medical insurance can develop smoothly.This essay starts from the introduction of the concept, characteristic and the difficulties of medical insurance, points out that moral hazard is the main criminal that hinders the development of medical insurance system and demonstrates the reasons that the moral hazard forms and the way it behaves and the result it causes. Then according to the reality in our country currently, the essay puts forward the concrete measures and practicable scheme to prevent the moral hazard problem in medical insurance in connection with the advance skills and scientific methods to control the risks in medical insurance in foreign countries. The essay adopts qualitative analysis and comparative research methods and sums up the way that how to control the moral hazard problems in social medical insurance. The purpose of this essay is to provide certain theoretical and practicable references for the control and management of the medical expenses.The essay consists of 4 chapters. Chapter 1 is the introduction part, which introduces the background, researching value, researching methods and main concept of the essay. The second chapter reviews the social insurance practices in both domestic and foreign countries, including the developed countries, the developing countries and our country's social medical insurance and introduced our current medical insurance policy. Chapter 3 analyzes how the moral hazard problems perform and form in detail from the angles of the provider and the demanding party of medical services, the unit that join the insurance and the medical insurance management agency, etc. Chapter 4 analyzes how to solve the problems of moral hazard concretely in social medical insurance from different angles of the relative parties.