案例,spss,数据分析

浅析商业医疗保险中的信息不对称问题


全文字数:8000字左右  原创时间:<=2022年

【内容摘要】

浅析商业医疗保险中的信息不对称问题


摘 要:随着我国人口不断增长,医疗费用也急剧上升。社会基本医疗保险虽然覆盖面广,制度也不断的调整完善,但是其所能提供的却仅是最基础,水平的基本医疗服务。一旦大病来袭,只靠社保这部分的保障是远远不够的,而商业医疗保险能对社会医疗保险起到替代性和补充性作用。因此,商业医疗保险逐渐引起人们的关注,其发展的空间越来越大。可是因为有各个方面的因素影响,商业医疗保险在中国的发展面临很多的问题,普及率,投保率等数据还是不高。那导致这些问题的原因有很多,其中有一点就是医院,个人与保险公司三方面由于利益关系不一致而导致信息不对称产生逆选择和道德风险。通过分析当今社会商业医疗保险的现状,找出一些应对之策是发展商业医疗保险,保障人民生活水平,维持社会健康有序发展的重要内容。
关键词:商业医疗保险;信息不对称;道德风险;逆选择;

Study on the Information Asymmetry in Commercial Medical Insurance

Abstract: With the rapid growth of population in China, medical expenses have been racing up. Although the coverage of social basic medical insurance system is wide and continues to expand, it is only able to provide the most primary medical services. Only relied on the social security is not far from enough when one suffers from a serious illness. The commercial medical insurance can substitute or supplement the role of social medical insurance. Therefore, the commercial medical insurance generally draws more attention, and it brings more and more development space. However, influenced by various factors, the development of commercial medical insurance in China is facing many problems and the rates of popularization, insurance, etc. are relatively low.  One of these factors is the adverse selection and moral hazard caused by information asymmetries which is from the different relationships of interests between hospital, individual and insurance company. Analyze the current states of the commercial medical insurance to find out some of the measures, which is the important content to develop commercial medical insurance, to protect people’s living standards, and to maintain the social development healthy and orderly.
Key words: commercial medical insurance; information asymmetry; moral hazard; adverse selection

 

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