The field of health insurance causes of the high risk of moral hazard and restraint mechanisms

Medical insurance moral high-risk areas, mainly due to personal investment, the treatment costs paid by a third party; prevention and control and punishment of the wrong system, medical insurance risk of moral hazard income / expenditure than a big medical treatment of the cumulative negative entropy information, induction ; Clinics standard personality characteristics Obviously, the process of treatment and supervision after the more difficult social medical insurance unique to the area of moral hazard caused direct damage to the interests of the main deficiencies. Should be designed in the mode of medical insurance, medical insurance mechanism for public education, medical insurance fund in the process of the use of control mechanisms, in the insurance laws and regulations, gradually proceeded directly involved in the medical insurance clinics Central

Festival four aspects of medical insurance to establish the moral high-risk control mechanism.

Key words: medical insurance; risk of moral hazard; restraint mechanism