摘要
社会医疗保险中道德风险的存在是医疗费用日益增高的原因之一。个人账户制作为一种激励性医保制度 ,可以促使人们采取更健康的生活方式、更注重预防保健 ,从而有效降低道德风险 ,并使社会的福利得到了改进。
Moral hazard in social medical insurance results in the ever_growing o f medical expenditure. As a kind of incentive_based medical insurance, medical savings acc ount system encourage people to adopt healthier lifestyle, strengthen health prevention and healthcare, which can efficiently reduce moral hazard, therefore improve the whole societys well_bei ng. To establish rational medical savings account system is the key for this target.
出处
《人口与经济》
CSSCI
北大核心
2004年第2期73-75,68,共4页
Population & Economics
关键词
社会医疗保险
道德风险
个人账户
social medical insurance
moral hazard
medical savings account
