强制医疗责任保险筹资模型构建及实证分析

Building and Empirical Analysis of the Financing Mechanism of Compulsory Medical Liability Insurance

基于相关利益者理论,以宁波市医疗中心李惠利医院(综合性三级甲等医院)为样本医院,将病人、医务人员与医疗机构等共同作为强制医疗责任保险保费的筹资来源,建立利益相关者筹资模型,并以2018年样本医院的实际赔偿情况进行验证,为构建全国性强制医疗责任保险筹资机制提供参考。

Based on the stakeholders theory, taking Ningbo Medical Treatment Center Lihuili Hospital, a Grade Ⅲ A hospital in Ningbo, as the research sampling hospital. The patients, medical staffs and hospital share together were considered as a source of premium funding for compulsory medical liability insurance. The financing model of compulsory medical liability insurance was built based on stakeholders to validate by testing the actual compensation situation in the year of 2018 in the sampling hospital. It provided a significance reference for building the financing mechanism of national compulsory medical liability insurance.