《中国保险》1995年第10期刊载了杜国富同志《我所设想的一种医疗保险》一文,这正反映了许多人的想法和要求,笔者因之共鸣,为之思考。以往有一些人保分支公司曾对医疗保险有过涉足,终因过高的赔付率不得不迫使他们及早放弃。究其原因,道德风险是重要因素。一方面社会呼吁医疗保险,而有了医疗保险之后,又会出现“一人有病,全家共享”、“小病大养”、甚至极个别人到医院开药,再将药以低价售给一些私人小诊所。医院方面因为多开药则利大,故“大药方”“人情方”、“补药方”时 “China Insurance” No. 10, 1995 published Comrade Du Guofu “I envisaged a kind of medical insurance,” a text, which is reflected in many people’s ideas and requirements, the author because of resonance, for which thinking. In the past, some PICC branch companies had set foot on Medicare and eventually forced them to give up early because of the high rate of payment. The reason, moral hazard is an important factor. On the one hand, the community calls for medical insurance, and with the medical insurance, there will be “one sick, the whole family to share,” “minor illnesses,” and even very few people to the hospital prescribing medicine, and then sold at low prices Some private small clinic. Hospital because more medicine is beneficial, so “big prescription” “human side”, “replenishment side”