The Research On The Influence Of Related Bodies Of Medical Insurance For Medical Expenses

Since China's medical insurance system had built, we have been to explore to reform. In order to find a suitable protection, using limited health resources to meet the people's medical health demands in the maximum extent. However, the rapid growth of medical costs has greatly increased the burden on the medical insurance payment in recent years, how to build a system to control the excessive growth of medical expenses, guarantee sound operation of medical insurance system and utilize medical resources effectively, which become a hot issue of health Reform, the medical insurance system reform and medicine production and circulation system.There are many complex factors to impact increase of medical expenses. The most direct factor is that medical institutions become from the nature of the non-profit public utility into the "quasi-firms" of the nature of the for-profit organization with making one's own management decisions and taking full responsibility. In addition, the lack of government functions, consumer demand for health care quality improvement, as well as faulty medical insurance system, making medical insurance related bodies lack of coordination, communication and monitor mechanisms. On one hand, they are bound to cause income and expenditure of the medical insurance fund imbalance and threat directly smooth implementation of the medical insurance system. On the other hand, it is difficult to achieve the basic purpose of medical insurance. The insured person's basic medical needs can not be guaranteed. Many problems lead to departure from the original design of the medical insurance system.Medical expense is one of important problem of the current social medical insurance reform, which is the main concern of this paper. To use questionnaire, on-the-spot investigations and documentary analysis to research the influence of related bodies of medical insurance for medical expenses. To carry out a survey for medical expenses and retrieve case files of the patients in a hospital for medical expenses, those data are analyzed by Excel and SPSS. The result is that government, medical institutions, patients and medical insurance agencies for increase of medical expense have a different level impact. According to the problem, each of deficiencies of medical insurance related bodies is analyzed in this paper: government's weak supervision and administration responsibilities; unsound mechanism and the lack of supervision of hospitals and medical insurance agencies; patients with consumer inflation. In addition, from the point of view of Economic Man and Stakeholder theory, the medical insurance related bodies pursue their own interests leading to irrational increase of medical expenses. In the final analysis, incomplete medical insurance system and moral hazard are the two root causes of inducing the growth of medical expenses, which are also a clear direction and an emphasis to solve problems. Finally, it submits the main path and measures of controlling costs and avoiding moral hazard in this paper, and points up medical related bodies' respective responsibility, which offers a hand to transform China's medical insurance system and accelerate the steady development of health care.