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| 我国城镇职工基本医疗保险的道德风险及其防范 | |
| 引用本文： | 赵小苏,王永其,宋余庆,王建宏. 我国城镇职工基本医疗保险的道德风险及其防范[J]. 卫生经济研究, 2001, 0(7): 17-19 |
| 作者姓名： | 赵小苏 王永其 宋余庆 王建宏 |
| 作者单位： | 1. 镇江医学院附属医院,江苏,镇江,212002 2. 江苏省镇江市体改委,江苏,镇江,212001 3. 镇江医学院,江苏,镇江,212002 4. 农工党镇江市委会,江苏,镇江,212001 |
| 摘 要： | 城镇职工基本医疗保险中道德风险的主要原因是：基本医疗水平较高；覆盖面较窄；医保规定不完善；部分参保单位上缴基金不足等造成医保资金流失。据此，笔者提出建立低水平，广覆盖、多层次的补充医疗保险；进一步完善医保基金筹集和管理；建立有效的个人筹资和医疗费用分担机制等对策。 |
| 关 键 词： | 医疗保险 道德风险 中国 城镇职工 |
| 文章编号： | 1004-7778(2001)07-0017-03 |
Moral risk and its prevention in urban employee's basic medical insurance |
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| Zhao Xiaosu,Wang Yongqi,Song Yuqing,Wang Jianhong. Moral risk and its prevention in urban employee's basic medical insurance[J]. Health Economics Research, 2001, 0(7): 17-19 | |
| Authors: | Zhao Xiaosu Wang Yongqi Song Yuqing Wang Jianhong |
| Affiliation: | Zhao Xiaosu1,Wang Yongqi2,Song Yuqing3,Wang Jianhong4 |
| Abstract: | The main reasons for moral risk in urban employee's basic medical insurance were relative high basic medical level, narrow cover areas, imperfect insurance rules and part insurance funds lost. So, the authors suggested that we should establish compensatory medical insurance with low medical service level and extensive cover areas, perfect the raising and management of medical insurance funds, and construct individual raising and medical fee partaking system. |
| Keywords: | medical insurance moral risk prevention |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ | |