论医疗责任保险的纠纷解决功能

On Dispute Resolution Functions of Medical Liability Insurance

分散风险和弥补受害人损失，是医疗责任保险的传统功能，此外其纠纷解决功能亦日益受到重视。当前医疗责任保险的纠纷解决功能并没有充分发挥应有的作用，其原因主要，有保险公司解决纠纷的能力较低、患者对保险公司缺乏信任以及医疗纠纷调解处理机制不完善等。只有强化医疗责任保险纠纷解决功能，方能使该险种适应市场需要，从根本上解决推行医疗责任保险以来所存在的市场需求不足的问题。

Risk-spreading and compensating for the loss are the traditional functions of the medical liability insurance, but its dispute resolution functions have received increasing attention. Currently, the dispute resolution function of medical liability insurance still does not do its best because insurance companies have poor ability to solve disputes, the patients distrust insurance companies and mediation mechanism of solution to medical disputes is still of faultiness. Only by strengthening medical liability insurance function of solving disputes, can we make this insurance products adapted to the needs of the market, and solve the problem of insufficient supply for market demands since the implementation of medical liability insurance.