Social medical insurance fund is the core of the whole medical insurance system, the management of medical insurance fund risk is one of the key of management of the career of medical insurance.

In order to enable the social medical insurance to operate steadily and has the ability to withstand risk for satisfying our urban workers’basic medical security level, using the theory of risk management to operate the social medical insurance fund is very imperative.

Purpose The paper has discussed the accessibility of participating in social basic health insurance of flexible employees.

The research on how to avoid moral visk in the social medical insurance in our country from the perspective of systen;

Analysis of the moral hazard problem in social medical insurance and its solution;

Moral risk in social medical insurance and precautions;

The Economic Operational Pattern and Simulation Analysis of Social Health Insurance;

Moral Hazard in Social Health Insurance and the Scheme to Contain It;

As the medical social insurance programmes are being put into effect, the government or society will provide medical services or economic compensation for the people who fall ill or injured by accident.