Moral Hazards in Providing Health Services: A Review of Studies

Background: Moral hazard is the increased likelihood of loss driven by insuredbehavior, which is a major the challenges faced by the insurance system.Therefore, the purpose of this study is to review the concept of moral hazard andits types, causes, consequences and control measures.Methods: This study was conducted through review, utilizing articles related to thesubject in Springer s published texts, valid sites and databases such as: GoogleScholar, Magiran, Medline, Springer, SID, Scopus and PubMed. The informationutilized was collected from 1960-2016. Databases were searched using keywordsof moral hazard in health services, causes of hazards, types of hazards in healthsystems, the consequences of hazards, the ways of controlling hazards, healthinsurance, moral hazards and health insurance.Results: The results showed that the third party (insurer) in health insurancecontracts, paying a high share of treatment costs, mitigates the motivation for thebehaviors of disease prevention, and prevents harm or disease, i.e. Because thepatient pays only a fraction of the cost, it has devastating consequences such asincreasing insurer costs and the health system, reducing welfare, wasting resources,reducing insurance coverage, and so forth.Conclusions: Identifying various types of moral hazards, their causes andconsequences in determining control strategies and reducing moral hazard andpreventing undesirable outcomes are effective.

Keywords:

Health Services , Moral Hazard , Health Services