对医疗责任保险制度良性发展路径的思考

目前我国医疗责任保险制度主要存在的问题是:缺乏立法保障、缺少第三方调解机制、医疗责任保险条款不完善、医疗责任保险产品单一、发展医疗责任保险的专业力量不足等。针对这些问题,应当寻求科学的对策,寻求医疗责任保险制度良性发展的路径:政府方面,应当制定医疗责任强制保险条例,强制推行该制度;保险公司方面,应当完善医疗责任保险条款,提供差异化的医疗责任保险产品,加快医疗纠纷处理人才的培养,建立医疗风险信息数据库;医院方面,应当要求各医疗部门和医护人员做好本职工作,提供高质量的医疗服务;患者方面,应当具有风险意识,根据个人情况购买个人意外事故保险,在出险后,患者不仅可以获得医疗机构的赔偿,也可以从意外事故保险中获得补偿,以便得到更充分的保障。

Thoughts on the Healthy Development of Medical Liability Insurance System

The main problems of medical liability insurance system at present in our country are:lack of legislative guarantee and the third party mediation mechanism,imperfect medical liability insurance clauses,poor medical liability insurance products,deficient professionals for medical liability insurance development,etc.To solve these problems,we need to seek scientific methods to guarantee healthy development of medical liability insurance system.Government should establish medical liability insurance regulations and make it a compulsory requirement.The insurance companies,on the other hand,should also take measures to better medical liability insurance clauses,to provide differentiable medical liability insurance products,to accelerate cultivation of professionals who can deal with medical disputes and to establish medical risk information database.The hospitals’ responsibility is to provide high quality medical service through joint efforts of every medical department and personnel.The patients,too,should be risk-conscious and buy personal accident insurance according to their own situations,so that they can be better protected by obtaining indemnity not only from medical institutions but also from accident insurance after an accident.