一、逆选择对健康险的危害首先,逆选择增加了保险公司的核保费用。在保险经营中保险人和被保险人都有义务遵守最大诚信原则,但由于逆向选择的存在,被保险人作为一个理性的经济人,为支付较少的保费而获得较高的保障,会尽量隐瞒病史或者带病投保。由于医疗保险的特殊性,保险公司调查的难度和费用都非常高,调查的结果很可能是付出了很多调查费用,却得不到有价值的信息。 First, the adverse selection of the hazards of health insurance First of all, adverse selection increases the insurance company’s insurance costs. In the insurance business, the insurer and the insured are obliged to abide by the principle of the utmost good faith. However, due to the existence of adverse selection, the insured, as a rational economic man, can obtain higher protection for paying less premiums and will try its best Hiding medical history or insured. Due to the particularity of medical insurance, the investigation of insurance companies is very difficult and costly. The result of the investigation is likely to be a lot of investigation costs but no valuable information.