英国医生互助性责任保险述评

医疗事故索赔数量和索赔金额的剧增,呼唤医疗责任保险的产生.但对一个经常面临被索赔和被要求高额赔偿的医学行业进行承保,商业性保险机构出于商业利润的考虑,往往缺乏积极性.非商业性的英国医生互助性责任保险体制,具有费用低、不拒赔、多功能、专业性、维权的全面性以及胜诉率高等特点,能够更全面地维护医生权益,及时地对医疗事故的真正受害者给予及时、有效的补偿.在重新定位我国的医疗责任保险时,这一体制将带来有益的启示.

On English Mutual Aid Liability Insurance of Medical Professionals

Medical claims soar up either in number or in amount, which calls for the establishment of medical liability insurance. Nevertheless, few commercial insurance companies seeking commercial profits are keenly interested in medical practice that tends to provoke claims and is easy to be imposed with high liabilities. With the features of being non-commercial, mutual aid, low-cost, multi-function, and as specialized agencies, UK medical defence bodies can protect professionals' interest comprehensively and compensate promptly and efficiently the real victims of medical malpractice. In reconsidering how to establish medical liability insurance in China, UK medical defence bodies may provide us with a new perspective.