Analysis of Moral Risk in Medical Insurance

Abstract

With the popularization of medical insurance, it appears that there has been the moral risk in the medical insurance market, which has attracted more and more attention. Starting from the relationship of doctors, patients and insurers, the article collects the Data from CHNS database, and analyses the moral risk between doctors and patients, patients and insurers through Eviews software. The result shows that there is moral risk between doctors and patients. As well as, the health insurance market also prove the existence of moral risk.