O PROBLEMA DE RISCO MORAL NO MERCADO BRASILEIRO DE ASSISTÊNCIA MÉDICA SUPLEMENTAR

Abstract

Supplemental medical assistance in Brasil has expanded greatly over the last tem years. Today it serves, more than 25% of the population. To study the relationships that exist between the client and suppliers that make up this market and the lack of information which comes from these relationships, it is fundamental to understand this type of assistance, with this, we can define the role of each one within this particular market. Looking for adequate health assistance, which avoids over burdening any of the components. The aim of this wrote is to identify how the risk of moral hazard has effected the supplementary medical assistance market, hoe the operators and insurers are behaving and in what way this behaviour has effected the client. The principal conclusion of this study was the verification that health insurance operators are using every means to compartmentalise risk, principally diminishing the over use of services. However, using these means moved more of the onus onto the consumer Consequently, many are abandoning health insurance programmes and relying on the public health system.