Presentationteam4.ppt

The medical care market is not efficient IF143 杨琦 陈海霞 邓雨尧 吴丽虹 易润其 * CONTENT 1 Market failure of medical care 2 Goverment effects in medical care 3 The positive functions 4 Reasons of inefficiency * What is medical care 5 Market failure of medical care Asymmetric information Reason: 1.Limited knowledge 2.High-budget for obtaining all information 3.Information goods is special merchandise 4. ........ TEAM 4 * Market failure of medical care Asymmetric information Result: adverse selection.(逆向选择） TEAM 4 * 信息不对称 保费以平均预期损失和平均风险计算 高风险人群愿意购买参与医疗保险 低风险人群不愿意购买和参与医疗保险 逆向选择 Market failure of medical care Moral Hazard Medical expenses will be recoverable Consumers overuse medical service Decrease demand of medical care Waste of medical resources TEAM 4 * Goverments effects in medical care Market failure shows in the following three aspects 1.Excessive competition between insurance companies 2.Monopoly. 3.The harm of risk selecton 1. design and regulate the medical insurance market. Medical insurance of goods directly related to peoples health and safety, plays an important role in social security, medical insurance product this special status, requesting the Government to participate in its establishment and operation. Government solve these problems from three aspects 2.supervision and management of the health insurance market. there are many contradictions in health insurance and unstable factors in the market, which tends to affect the normal operation of the health insurance market. The problems of excessive competition and unfair competitions .which needs government to set up supervision department t regulate it. 3.participate in making up the flaw of medical insurance market. Medical insurance institution aimed at making profits. But it doesn’t solve every problem in medical care. So the government needs to use administrative measures to make up for the inadequate aspects of medical insurance.