基本医疗保险中的道德风险及其控制  

Moral hazard in the fundamental health insurance and controls

作　　者：林俊荣[1] 

机构地区：[1]福建师大公共管理学院,福建福州350007

出　　处：《辽宁工程技术大学学报（社会科学版）》2006年第4期400-402,共3页Journal of Liaoning Technical University(Social Science Edition)

摘　　要：系统分析了基本医疗保险中三方利益主体的道德风险、基本医疗保险中道德风险的特殊性的基础上,并提出了引进信用分值制度规范定点医院行为、建立个人信用账户对医生进行约束、制定具体的病种目录及一系列的参考系数以供监督、患者应当承当适当比例的医疗费用、大部分医疗服务实行自付比例的累进制等相关的控制方法。This paper systematically analyses the particularityof moral risks in the fundamental health insurance and moral risks from three factors. Based on them, the paper puts forward some possible measures which include introducing credit value system of standard fixed hospital behavior, establishing individual credit account to restraint the doctors, formulating concrete disease category and establishing a series of references coefficients for inspection. The patient should accept the suitable proportion of the medical expense. The majority of medical service is paid according to the progressive increase system.

关 键 词：基本医疗保险 道德风险 利益主体 控制 

分 类 号：F840[经济管理—保险]