我国商业健康保险市场信息不对称问题研究

内容摘要：2009年4月，中共中央、国务院发布了《关于深化医药卫生体制改革的意见》，新医改方案开始实施，新医改方案还指出，应当“积极发展商业健康保险” 。作为我国医疗保障体系重要组成部分的商业健康保险，成为人们一生中需求最大的保险险种 。我国商业健康保险市场潜力巨大，前景广阔，但现状是——由于人们保险意识淡薄、国家制度不到位、保险公司条款名目繁多等原因，我国商业健康保险的发展一直举步维艰，要真正让13亿人都能充分享受充分的商业健康险，还不是短期内就能做到的。
作为典型的信息不对称市场，商业健康险市场广泛存在着逆向选择和道德风险，这在很大程度阻碍了我国医疗体制改革和保险业的发展。首先本文对商业健康险进行了比较对比定义，然后阐述了我国投保人在商业健康保险市场信息不对称的具体表现，分析其特点和成因，并在此基础上，根据实际情况给出解决该问题、促进商业健康保险业健康发展的切实可行的有效措施。

关键词：商业健康险，信息不对称，道德风险，逆向选择
 
The Analysis of Information Asymmetry    
            In Health Insurance
Abstract：In 2009 April, the CPC Central Committee, the State Council issued the" on deepening the medical and health system reform views", the new medical reform program was implemented, the new medical reform program also point out, should" actively the development of commercial health insurance" . As our country's medical security system is an important part of the commercial health insurance, became people life insurance demand. China's commercial health insurance market potential is tremendous, perspective is wide, but the current situation is -- because people consciousness of insurance, national system in place, the insurance company in terms of a multitude of names and other reasons, the development of commercial health insurance in China has been difficult, in order to let 1300000000 people can fully enjoy the full commercial health insurance, also is not short-term inside can do.
     As a typical asymmetric information market, the commercial health insurance market there are the problems of adverse selection and moral hazard, which greatly hinder China's medical system reform and the development of the insurance industry. First article on the commercial health insurance were compared comparison definition, then elaborated our country insured in the commercial health insurance market information asymmetry of specific performance, analyses its characteristics and causes, and on this basis, according to the actual situation is given to solve the problem, to promote the commercial health insurance industry healthy development of practical and effective measures. And this article is very useful for the further study and we can make conclusion that it is very important for us to study the Principe.

Key words：The commercial health insurance, Information Asymmetry, adverse selection, moral hazard

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