title: Insured without moral hazard in the health care reform of China.
abstract: Public insurance possibly increases the use of health care because of the insured person's interest in maximizing benefits without incurring out-of-pocket costs. A newly reformed public insurance scheme in China that builds on personal responsibility is thus likely to provide insurance without causing moral hazard. This possibility is the focus of this study, which surveyed 303 employees in a large city in China. The results show that the coverage and use of the public insurance scheme did not show a significant positive effect on the average employee's frequency of physician consultation. In contrast, the employee who endorsed public responsibility for health care visited physicians more frequently in response to some insurance factors. On balance, public insurance did not tempt the average employee to consult physicians frequently, presumably due to personal responsibility requirements in the insurance scheme.
authors.affiliation: Department of Social Work, Chinese University of Hong Kong, Hong Kong, China.
authors.forename: Chack-Kie
authors.initials: CK
authors.lastname: Wong
authors.forename: Chau-Kiu
authors.initials: CK
authors.lastname: Cheung
authors.forename: Kwong-Leung
authors.initials: KL
authors.lastname: Tang
mesh_terms: D002681:China; D002755:Choice Behavior; D004651:Employment; D018166:Health Care Reform; D006291:Health Policy; D006302:Health Services Research; D006801:Humans; D007348:Insurance, Health / Q000191:economics* / Q000706:statistics & numerical data; D011634:Public Health; D012017:Referral and Consultation / Q000706:statistics & numerical data; D040841:Resource Allocation