试谈我国医事责任保险模式的选择与构建

On the Choice and Construction of Medical Liability Insurance Model in China

在现有医事责任保险体系下,可选择的保险实施方案为全部强制性的医疗责任保险和医师责任保险、全部任意性的医疗责任保险和医师责任保险、强制性医疗责任保险和任意性医师责任保险,但上述三种保险模式实施方案皆有一定的局限性;分析、总结其利弊,新型的责任保险模式实施方案应是强制性医疗责任保险+半强制性半任意性医师责任保险,并当以此来塑造我国医事责任保险体系。

There are three insurance implementation plans to choose in the existing medical liability insurance system：all compulsory medical liability insurance and physician liability insurance,all optional medical liability insurance and physician liability insurance,and compulsory medical liability insurance and optional physician liability insurance.However,the abovementioned plans have their own limitations.By summarizing the advantages and disadvantages of the above three insurance modes,this paper concludes the new liability insurance modes——compulsory medical liability insurance ＋ half compulsory and half optional physician liability insurance——to shape medical liability insurance system in China.