How Individual Characters Affect the Ex ante Moral Hazard of Basic Medical Insurance: Evidence from China

Abstract

How individual characters affect the ex ante moral hazard of basic medical insurance still remain academically debatable. This paper based on divergent individual characters of insurers to analyze the roles of basic health insurance on the ex ante moral hazard. It found health level, marital status, income level and age are the key individual factors affecting ex ante moral hazard of basic health insurance. But the roles of rural-urban difference and gender are not obvious. It gives supplementary explanations to the medical service expenditure, waste of medical resources and other issues, and also put forward the corresponding policy recommendations.