基于相互制医疗责任保险思考医疗纠纷解决机制  

Reflection on Medical Dispute Resolution Mechanism Based on Mutual Medical Liability Insurance

作　　者：李志强[1] 

机构地区：[1]天津医科大学医学人文学院,天津300070

出　　处：《医学与哲学（A）》2017年第5期50-53,共4页Medicine & Philosophy:Humanistic & Social Medicine Edition

基　　金：2011年教育部人文社会科学青年基金项目(11YJC820102)

摘　　要：符合医疗行业特点的保险模式和制度设计是医疗责任保险制度成功的关键。与商业性的责任保险相比,相互制医疗责任保险具有成本低、减少信息不对称以及风险控制和维护行业利益等多方面的优势。相互制医疗保险制度的构建应当在组织构成和保单条款等方面符合其相互性特点和医疗行业的实际需要。相互制医疗保险组织在分散医疗机构责任风险的同时,应当代替医疗机构全面介入医疗纠纷解决过程,从而提高解决医疗纠纷的质量和效率,促进医患关系的和谐。The key to the success of the medical liability insurance system is a proper insurance model and system design to meet the needs of the medical industry. Comparing to the for profit liability insurance, it can be found that the mutual medical liability insurance has many advantages, such as low cost, reducing the information asymmetry, controlling risks and safeguarding the whole industry＇s interests. The construction of mutual medical insurance system should accord to its mutuality and the needs of medical industry, especially in terms of organizational structure and policy terms. Having underwritten the liability risk of medical institutions, the mutual medical insurance organization should fully take over medical disputes process, so as to improve the quality and efficiency of medical disputes resolution, and promote the harmonious doctor-patient relationship.

关 键 词：医疗责任保险 相互保险 医疗纠纷 纠纷解决机制 

分 类 号：R-05[医药卫生] D922.16[政治法律—宪法学与行政法学]