在医患关系比较理智的情况下,医保基金的主要功能是分担因疾病发生而产生的财务风险,但是在医患关系不理智的情况下,它最主要的功能就成了抑制双方的道德风险。目前医患关系在我国尚处于不理智的状态,监管医保基金的使用情况,因此成为医疗保险机构的重要任务。 In a more rational doctor-patient relationship, the main function of the Medicare Fund is to share the financial risk arising from the disease, but its most important function becomes the moral hazard that inhibits both parties when the doctor-patient relationship is unreasonable . At present, the doctor-patient relationship is still irrational in our country, and the use of the medical insurance fund is regulated. Therefore, it becomes an important task of the medical insurance institution.