Moral hazard in health insurance exists as follows

Health insurance is related to diseases, and there may be two kinds of moral hazard. One is to knowingly insure and defraud insurance money; The other is to collude with medical institutions and falsely report medical expenses.

Moral hazard refers to the tendency of the insured to change his daily behavior after receiving insurance protection, which can be divided into pre-existing moral hazard and post-existing moral hazard; Insurance may have a certain impact on the insured's motivation to prevent losses, which is called moral hazard beforehand. After the loss occurs, insurance may have a certain impact on the insured's motivation to reduce the loss, which is called moral hazard afterwards.

The existing factors of moral hazard are intangible factors related to people's moral cultivation, that is, because people are dishonest, dishonest or have bad intentions, they deliberately contribute to the occurrence of risk accidents, resulting in property losses and personal casualties; Such as fraud and arson of the insured or the insured, are all moral hazard factors. In the insurance business, the insurer shall not be liable for compensation or payment for the economic losses caused by moral hazard factors of the applicant or the insured.

Moral hazard has the following three characteristics:

First, endogenous characteristics: that is, the embryonic form of risk is formed by the internal consideration and calculation of interests and costs by economic actors;

Second, traction: all risk makers are tempted by interests, aiming at profit-seeking;

Third, the characteristics of harming others and benefiting themselves: that is, the risk income of risk makers is an improper grab of the interests of information disadvantaged parties, in other words, there is asymmetry between risk makers and risk takers.