医疗机构不应就患者的医疗意外伤害投保责任险  

Medical Institutions should not Insure Patients for His or Her Medical Accidental Injuries

作　　者：王启辉[1] 汤建平[1] 王晓东[1] 

机构地区：[1]江苏省人民医院医务处,南京210029

出　　处：《临床误诊误治》2012年第11期71-73,共3页Clinical Misdiagnosis & Mistherapy

基　　金：江苏省医学人文社科基金(JSYRKJ2011-A2-002)

摘　　要：近年部分地区尝试进行了医疗意外责任险,从经济效果看,因保费计算不合理、责任期间设定不公平,医疗意外责任险无法达到预期经济效果;从法律效果看,因医疗机构对保险标的无保险利益,医疗意外责任险合同无效;而从社会效果看,医疗意外责任险的实施可能使医患关系恶化。因此,应当停止实施医疗意外责任险。In recent years medical accidental liability insurance was carried out in some regions. But because of unreasonable premium and unfair liability enactment in terms of economic aspects, medical accidental liability insurance can not achieve the expected economic effect. A medical institution dose not has insurable interests in the subject matter of the insurance, so in terms of legal effect, the contract of insurance shall be invalid. Furthermore in terms of the perspective of social effect, medical accidental liability insurance may further worsen the doctor-patient relationship. Therefore medical accidental liability insurance should not be implemented.

关 键 词：医疗意外责任险 经济效果 法律效果 社会效果 

分 类 号：R-051[医药卫生]