试论我国手术意外保险的完善

The Improvement of Medical Accident Insurance in China

在医疗实践中,相当比例的医疗损害纠纷不是由于医疗机构存在医疗过错或者过失导致。患者在遭受非医疗过失导致的医疗损害后,如果医院方无过错,而要患者自行承担风险,为患者不能接受。本研究从我国建立手术意外保险制度的可能性进行分析,一方面,能达到一般保险制度对风险、事故所致损失进行补偿的目的;另一方面,通过推行手术意外险,全方位提高全社会人员的医疗意外风险意识,从而从根本上极大程度的转移医疗风险和医疗执业风险。

In medical practice , lots of medical tangles are not attributed to the medical errors or malprac-tices.However, the patient refused to accept the medical risk by himself even there were no malpractice for hospi-tal.In the paper the possibilities were analyzed to operate accident insurance in China , with which we can not only get compensation for medical accident or risk , but also raise the people＆#39;s awareness of medical accident .