我国医疗责任保险制度优化研究  

Research on the optimization of the medical liability insurance systemin China

作　　者：朱姝尧 杨芳[2] ZHU Shuyao;YANG Fang(College of Law,Southeast University,Nanjing 211189;School of Medical Humanities Research Centre,Anhui Medical University,Hefei 230032,China)

机构地区：[1]东南大学法学院,江苏南京211189 [2]安徽医科大学医学人文研究中心,安徽合肥230032

出　　处：《南京医科大学学报（社会科学版）》2021年第4期321-326,共6页Journal of Nanjing Medical University（Social Sciences）

基　　金：国家社会科学基金“新时代尊医重卫社会风气的价值引领及其培育机制研究”(19BKS169)。

摘　　要：为解决医患矛盾、分散医疗机构赔偿风险、构建和谐医患关系,我国在借鉴各国经验的基础上,推行医疗责任保险制度。该制度虽已取得一定成效,但因医疗责任保险推行时间较短,且缺乏相应法律规范及配套政策激励,发展现状不尽人意。在智慧医疗时代,我国应当完善相关立法,通过行政手段确保其有效实施,推动保险公司介入医患纠纷调解,构建多层次医疗风险分担机制,从根本上克服医疗责任保险市场发展不足、产品设计缺乏科学性等问题,促进我国医疗卫生事业健康发展。In order to solve the contradiction between doctors and patients,disperse the risk of compensation in medical institutions,and build a harmonious doctor⁃patient relationship,China has implemented a medical liability insurance system based on the experience of other countries.Although the system has achieved certain results,the implementation of the system is still unsatisfactory due to the short time of implementation of medical liability insurance and the lack of corresponding legal regulations and supporting policy incentives.In the era of smart medical care,China should improve relevant legislation,ensure its effective implementation through administrative means,promote insurance companies to intervene in the mediation of medical disputes,construct multi⁃level medical risk burden mechanism,and fundamentally overcome the lack of market development in the operation of the medical liability insurance system.The lack of scientific design of insurance products has promoted the healthy development of medical and health services in China.

关 键 词：医疗责任保险 医疗风险分担机制 智慧医疗 医患关系 制度构建 

分 类 号：F842.4[经济管理—保险]