风险社会视域下医疗责任保险的法律意蕴与制度实现  

The Legal Connotation and Institutional Implementation of Medical Liability Insurance from the Perspective of Risk Society

作　　者：朱羚钰 ZHU Ling-yu

机构地区：[1]河海大学法学院

出　　处：《江苏警官学院学报》2024年第2期41-47,共7页Journal of Jiangsu Police Institute

摘　　要：医疗活动始终与风险相伴。社会保险正是基于风险防范与分担的理念而建立。医疗责任保险制度是兼顾患者权益保护与医学发展的必然选择。在一定程度上能改善医患关系。我国医疗责任保险制度推行过程中,存在医疗责任保险强制性不足、保险责任主体涵盖不全、对应性不足以及保险费率缺乏精细、全面统计等问题。立足国家当前相关法律、行政规范以及各地探索实践展开分析,指出应当通过完善立法推行医疗责任强制保险,强化医疗责任保险的有效对应性,合理设置保险费率,以期有效发挥医疗责任保险制度风险分担能力,保障患者权益,有力推进健康中国建设。Medical activities are always accompanied by risks.Social insurance is based on the concept of risk prevention and sharing.The medical liability insurance system is an inevitable choice that takes into account the protection of patients'rights and interests and medical development.To some extent,it can improve the relationship between doctors and patients.In the process of the implementation of medical liability insurance system in China,there are some problems such as insufficient compulsory medical liability insurance,incomplete coverage of insurance subjects,insufficient correspondence and lack of detailed and comprehensive statistics of insurance rates.Based on the current relevant national laws,administrative norms and local exploration practice,it is pointed out that compulsory medical liability insurance should be implemented through improving legislation,strengthening the effective correspondence of medical liability insurance,and setting insurance rates reasonably,so as to effectively exert the risk sharing ability of medical liability insurance system,protect the rights and interests of patients,and effectively promote the construction of healthy China.

关 键 词：医疗风险 法律意蕴 保险法则 风险分散 

分 类 号：D922.24[政治法律—经济法学] D920[政治法律—法学]