Ethical issues in digital medical insurance governance： generation， manifestations， and countermeasures
10.12026/j.issn.1001-8565.2026.10.09
- VernacularTitle:数字医保治理中的伦理问题：生成、表现及因应
- Author:
Zengying ZHUANG
1
;
Linlin YUE
1
;
Yanjie JIANG
1
;
Guiying XUAN
2
;
Bo WANG
1
;
Shenchao JIANG
3
;
Jingchao HE
4
;
Xutong LIU
5
;
Shangwei HAN
1
;
Xuerun TIAN
1
;
Yongxuan LIU
1
;
Nuo XU
1
;
Qifan YANG
1
Author Information
1. School of Management， Shandong Second Medical University， Weifang 261053， China
2. Office of Medical Insurance Management， Affiliated Hospital of Shandong Second Medical University， Weifang 261041， China
3. Publicity Department of Tianjin Municipal Committee， Tianjin 300000， China
4. Tai’erzhuang District Committee Office， Zaozhuang City， Shandong Province， Zaozhuang 277400， China
5. College of Public Administration and Humanities， Dalian Maritime University， Dalian 116026， China
- Publication Type:Journal Article
- Keywords:
digital medical insurance governance;
ethical;
stakeholder;
data privacy;
algorithmic fairness
- From:
Chinese Medical Ethics
2026;39(10):1342-1348
- CountryChina
- Language:Chinese
-
Abstract:
Digital medical insurance governance， as an important component of digital transformation， improves the efficiency of medical insurance services while facing complex ethical challenges. Taking stakeholder theory as the analytical framework， this paper explored the generative mechanisms， manifestations， and countermeasures of ethical issues in digital medical insurance governance. This study uncovered that accelerated technological iteration and lagging ethical and legal norms， as well as interest conflicts among multiple participants in governance， constituted the major causes of ethical issues. These issues specifically manifested as data privacy leakage， unfair algorithmic decision-making， widening digital divide， ambiguous accountability， and other aspects. To address these issues， this paper put forward systematic countermeasures， such as establishing a dynamic ethical and legal regulatory system， balancing the demands of stakeholders， strengthening technological ethical governance， narrowing the digital divide， and enhancing accountability mechanisms. Through the implementation of multi-dimensional governance strategies， it aimed to balance technological innovation and ethical constraints， advance the inclusiveness， fairness， and sustainable development of digital medical insurance， and provide theoretical reference and practical references for improving China’s digital medical insurance governance system.
