医疗责任保险实施模式创新研究  

Research on innovative implementation model of medical liability insurance

作　　者：吴海波[1] 江乐盛[1] 

机构地区：[1]江西中医学院经济与管理学院,江西南昌330004

出　　处：《中国卫生事业管理》2012年第1期20-23,共4页Chinese Health Service Management

基　　金：江西省社科规划共建项目(项目编号:09JL203);中国保险学会2011年度资助项目(项目编号:IICKT2011-11)成果

摘　　要：医疗责任保险的实施是化解医患矛盾、调处医疗纠纷的重要手段之一。当前,该险种的推广采取的是自愿投保方式,由于受各种主客观因素的影响,医方的投保率明显偏低,难以满足保险方的基本需求,更难以发挥该险种的社会管理功效。为此,相关部门有必要创新该险种的实施与推广模式,采取一定的措施鼓励甚至强制医方投保。总结国内部分地区的试点经验并借鉴国外的成功做法,文章认为在创新政策性保险与强制保险实施模式的基础上,将二者有机结合起来,是实现该险种普及化与广覆盖的有效途径之一。The implementation of medical liability insurance is one important means of resolving patient conflicts, mediating medical disputes. Currently, the insurance is voluntary, due to various subjective and objective factors, the participation rate of the hospitals is significantly lower, and it hardly meet the basic requirements of the insurance provider, thus it is difficult to play the insurance＇s social administration effect. To this end,the relevant departments should innovate an^t promote the implementation of the insurance model, to take certain measures to encourage or even force the hospital side. By summarizing the pilot experience of parts of the country and successful practices from abroad, this paper argues, based on the innovative insurance of policy and com- pulsory insurance implementation model,the combination of the two, is one of the effective ways to achieve popularity and wide coverage of the insurance.

关 键 词：医患纠纷 医疗责任保险 强制性保险 政策性保险 

分 类 号：F842.6[经济管理—保险]