论医疗责任保险中第三人之直接请求权

Study onthe third party's direct claim right to medical liability insurance

医疗责任保险中第三人之直接请求权对于全面分散医疗服务提供者的责任风险,直接、迅速与切实地保障患者的权利,节约纠纷处理成本及提高司法效率具有重大价值。但无论从医疗责任保险的立法还是实践观察,我国都未完全赋予第三人之直接请求权,对第三人的利益保护不足,无法有效实现医疗责任保险的社会政策目的。因此,我国应确立第三人对医疗责任保险人的直接请求权,规定第三人对医疗责任保险赔偿金的优先权。同时,对行使直接请求权的主体范围、被保险人与保险人的协助义务、医疗责任保险人可行使之抗辩权等进行完善。

The third party＇s direct claim right to medical liability insurance can fully decentralize medical service provider＇s liability risks,directly and rapidly protect patient rights,save the cost of dispute treatment,and improve judicial efficiency.But no matter from the medical liability insurance legislation or insurance practice,the third party is not completely given the direct claim right in our country that cannot protect the interests of third party,which cannot effectively achieve the purpose of medical liability insurance of social policy.Therefore,we should establish the third party＇s direct claim right to medical liability insurance and the priority of the third person of medical liability insurance compensation in our country.We must improve the subject scope,the insured and insurer＇assisting obligation,and the medical liability insurer＇s defend right of the third party direct claim right.