摘要
医疗保险中存在的逆选择问题阻碍了我国医疗保险事业发展。从医疗保险逆选择过程的第三方即医疗服务机构角度出发探究如何解决逆选择困境,结合预期效用理论对医疗服务机构在逆选择过程的角色扮演作出阐述,指出医疗服务机构行为构成逆选择的重要制约因素,认为实施群组保险等解决逆选择困境的措施必须与医疗服务机构改革相结合才能取得成效。
The adverse selection of medical insurance has hindered the development of Chinese medical insurance industry. On the aspect of the third side in the course of the adverse selection of medical insurance, that is the medical services institutions, this paper tries to explore how to solve the adverse selection dilemma. By employing expected theory, This paper also tries to expound the role that medical services institutions play in the adverse selection of medical services insurance, and to point out that the move of medical services institutions is an important factor to restrict an adverse selection. Those measures such as group insurance must be connected with the reform of medical services institutions in order to solve the problem of the adverse selection of medical insurance.
出处
《创新》
2008年第3期81-83,共3页
Innovation
关键词
医疗服务机构
医疗保险
逆选择
medical services
health insurance
adverse selection
