Moral Risk Analysis And Countermeasures Research On Social Medical Insuranoe

The medical expenses have been rising rapidly these years in our nation, theexpenditure of medical insurance fund goes up year by year. The phenomenon ofrapid rise of health insurance fund has been a difficult problem that all countries facetogether and a burden of economy development. The ways to control and limitmedical expenses has been a hot spot that academic circles research in and a focus ofmedical insurance revolution to which every county pays close attention. Moral riskof medical insurance market has a significant impact on the health and stableoperation of medical insurance market, it is a immediate cause of unreasonableincrease of medical expenses.This article studies the moral risk analysis of the social health insurance andcountermeasures, with extensive and in-depth study of previous results, and the widecollection of data, and the comparative analysis of the questionnaire survey and thestatistics, it researched the moral risk in the current field of medical insurance inChina. It’s a detailed analysis of the reasons of moral risk in the health insurancemarket of our country, the moral risk between supply sides and demand sides, the losscaused by moral risk and moral risk circumvention issues in medical insurance market;it discusses and put forward relevant countermeasures against moral risk on medicalfield by combining China’s actual conditions.The performance of the moral risk of medical treatment insurance mainlyembodied in that the providers of medical service take advantage of the asymmetricinformation to induce required service, such as excessive examinations, excessiveusing of medicines, excessive treatments and so on; The party who demands medicaltreatment service uses their informational advantage to acquire unreasonable requiredservice, such as the reduction of self-protection awareness, the lack of savingawareness, the abuse of medical insurance card and so on.The reasons of moral risk of medical insurance mainly include three aspects,individual factor, environmental factor and institutional factor. Individual factorsmean that,as an economic man, both of medical supplier and purchaser must considermaximization of their benefits, and moral risk may happened because of thedifferences between the lack of social morality and orientation of value, the exclusivity of medical resources, competition and other influence factors.Environmental factors are mainly embodied in the medical and health care, diseasetreatment, the uncertain quality of service and information asymmetry between thesupplier and purchaser. System factors mainly show up in that the medical insurancepayment system is paid by the third party, supporting hospital with medicine,deficiency of supervision system and legal system.Therefore, this research puts forward medical moral risk countermeasures fromfive aspects, first it is included that the establishment of medical insurance credit filesat individual level; second the correct consciousness of professional ethic needs to beset up and the induced demands needs to be effectively avoided; third it is essential tostrengthen the popularization of medical knowledge and reduce the degree ofinformation asymmetry; the fourth is to strengthen the construction of supervisionsystem to form competition mechanism; the fifth is to reform the medical system andreturn to public welfare of health services.