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商业健康保险的道德风险商业健康保险是投保人与保险人双方在自愿的基础上订立合同,当出现合同中约定的保险事故,由保险人履行补偿责任的一种保险。包括疾病保险、医疗(费用)保险和收入保险三大类。商业保险的一个显著特征是其补偿性质,而大多数被保险人却疏忽了这一点,认为商
Moral hazard of commercial health insurance Commercial health insurance is a kind of insurance that the insured and the insurer conclude a contract on a voluntary basis. When an insured event stipulated in the contract occurs, the insurer shall perform an insurance liability. Including disease insurance, medical (cost) insurance and income insurance three categories. A notable feature of commercial insurance is its compensatory nature, and most insured neglect this, believing that