医疗责任保险在实践中存在的问题

Issues of medical responsibility insurance application

通过调研论述了医疗机构、保险公司、患者、政府部门对医疗责任保险的看法,分析了现行医疗责任保险存在问题。指出,现行商业化运作的医疗责任保险对于医疗机构的风险转移、医患纠纷的解决、患者权益的保障起到了一定的作用,但因其企业的性质和目的与医疗机构公益性和福利性的性质不一致,与医疗卫生事业发展的目标不一致,不能完全解决医疗机构对医疗责任保险的要求,也不能完全化解患者和医疗机构的矛盾。强制推行商业化运作的医疗责任保险弊大于利。

The option of medical responsibility insurance application in medical institute, insurance company, patient and government was introduced. Issues were presented. Commercial medical responsibility insurance could solve some issues in risk transfer, medical dispute and patient rights. But commercial medical responsibility insurance could not solve all issues of medical responsibility in hospital because of its for profit characteristics. And it could not smooth medical dispute between hospital and patients. Compulsory commercial medical responsibility insurance application in China was more negative.