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Summary: Moral insurance in medical insurance is an inevitable issue which results in medical expenditure's unreasonable increase, excessive consumerism on limited resources and great waste to society. This paper discussed our country’s medical insurance and its expression, the merging reason of moral insurance, medical insurance regulations, and medical health regulations and so on, analyzed the restrain regulations and countermeasures, proposed some personnel suggestions about reforms and perfect of current medical insurance regulations.

The medical insurance is a moral hazard can not evade the issue. Moral hazard of medical costs unreasonably growth, excessive consumption of limited resources, to the community of tremendous waste. In this paper, the medical insurance and performance, the risk of moral hazard caused by the medical insurance system, medical and health system, and other areas discussed, analyzed the medical insurance moral hazard restraint mechanism and pr