A Discuss of Moral Hazard in China’s Social Medical Insurance and It’s Avoiding
Abstract: Moral hazard is the most common problem in all kinds of insurance industry; it also exits in social security fields especially in the social medical insurance field. The moral hazard in social medical insurance is more outstanding and complicated. This thesis proceeds from the moral hazard circumstance of social medical insurance in China’s current medical and health system, and then make economics analyses of the expressions of moral hazard in social medical insurance. The thesis still use game theory to reveal the moving mechanism of the social medical insurance’s moral hazard. At last, it puts forward some useful suggestions to avoid the moral hazard.
Keywords: Social Medical Insurance; Moral Hazard; Economics Analyses; Game Theory; Avoiding
