医疗责任保险亟待处理的五大关系及解决路径研究  

Study on Five Relations of Medical Liability Insurance to Be Solved and the Approaches

作　　者：胡颖[1] 冯磊[1] 谭创[1] 

机构地区：[1]重庆医科大学公共卫生与管理学院/医学与社会发展研究中心/健康领域社会风险预测治理协同创新中心,重庆400016

出　　处：《医学与哲学（A）》2016年第3期59-62,共4页Medicine & Philosophy:Humanistic & Social Medicine Edition

基　　金：2013年度重庆市社会科学规划(培育)项目;项目编号:2013PYSH03;2014年度重庆市科委决策咨询与管理创新重点项目;项目编号:cstc2014jccxB0038

摘　　要：通过提炼医疗责任保险的五大核心要素,即推行方式、风险保障模式、购买主体、理赔要件及纠纷处理,归纳其所包含的五组关系,即强制与自愿;商业保险模式与互助性保障模式、社会保险模式;医疗机构与医务人员、政府;过错赔偿与无过错赔偿及医疗责任保险介入与不介入解决纠纷。并且,从含义、利弊及国内外现状等方面深入剖析上述关系。指出我国应强制推行医疗责任保险、构建多元化的风险保障模式、实行多主体共担保费、采用过错赔偿及部分领域无过错赔偿相结合的理赔方式并应积极介入纠纷处理。By refining five core elements of medical liability insurance, which include implementation method, risk guarantee model, purchase subject, claim document and dispute settlement, this paper summarized five relations, including compulsory and voluntary, commercial insurance mode and mutual support mode and social insurance mode, medical institutions and doctors and the government, fault compensation and no-fault compensation, intervene disputes and not intervene disputes. Furthermore, it analyzed these relationships from the perspective of the meaning, advantages and disadvantages, current situation and so on. It found that medical liability insurance in China should be compulsory implemented. It needed to build a multivariate assurance mode and have multi-buyers, adopt fault compensation combining with no-fault compensation in dealing with medical disputes.

关 键 词：医疗责任保险 多元保障模式 购买主体 过错赔偿 

分 类 号：R05[医药卫生] D922.16[政治法律—宪法学与行政法学]