目 录摘 要.................................................................................................................IAbstract..................................................................................................................II引 言................................................................................................................11 平安人寿沈阳分公司商业健康险现状.............................................................31.1 发展简介....................................................................................................31.2 发展现状....................................................................................................31.3 发展优势...................................................................................................52 平安人寿沈阳分公司商业健康险道德风险问题.............................................82.1 信息不对称...............................................................................................82.2 医疗费用过度昂贵....................................................................................92.3 医疗市场困难重重..................................................................................102.4 保费欺诈现象加剧..................................................................................113 平安人寿沈阳分公司商业健康险道德风险对策...........................................133.1 构建医疗信息平台..................................................................................133.2 加大医疗监管力度..................................................................................133.3 设立保险人员参与机构..........................................................................143.4 加大宣传降低骗保行为..........................................................................14结 论..............................................................................................................15参考文献...................................................
