论医疗保险金给付请求权之竞合  

Concurrence of the Medical Insurance Payment Claim

作　　者：曹克奇[1] 

机构地区：[1]中国人民大学法学院,北京100872

出　　处：《科学．经济．社会》2016年第3期89-94,112,共7页Science Economy Society

基　　金：国家社会科学基金重点项目"整合城乡基本医疗保险的法律制度研究"(13AFX027)

摘　　要：医疗保险金给付请求权可以分为社会保险法上的请求权和保险法上的请求权,其竞合关系的处理存在四种模式。考虑到健康权保障、避免道德风险、高效便捷等原则,我国社会保险法上的请求权竞合应当采用选择模式,允许被保险人自由选择,唯一补偿。社会保险法与保险法上的给付请求权竞合应当采用补充模式中的社会保险法请求权优位模式。保险法上的请求权竞合应采用选择模式加补充模式,由受益人选择不同补偿顺位。在整合社会保险法和保险法的基础上,我国应当建立统一的医疗保险制度。The medical insurance payment claim can be divided into the private law claims and the social law claims. There are four models for dealing Its conflicts. Taking into account to protect the health right, to avoid the moral hazard and efficient principle, the claims conflict in social law on medical insurance payment shall be deatl with selection mode, allowing the insured to choice. The claims conflict between Social law with private law shall deal with Social Law Priority mode under the supplementary mode. The claims conflict in private law should be deal with select mode plus supplementary mode, Choosing the compensation order by the beneficiary. On the basis of the integration of social law and private law, the unified health insurance system should establish in our country.

关 键 词：医疗保险 健康保险 人身保险 中间型保险 

分 类 号：F403[经济管理—产业经济]