医疗责任保险改革的新思维

医疗责任保险是转移医疗行业风险和化解医疗纠纷的有效工具。我国该险种刚刚起步,发展面临困境。着重探讨解决困境的有效方法,提出医疗责任保险应模仿“交强险”的强制性与第三方认证,采用医疗保险的保费计算方式,经营不以盈利为目的差额财政补贴的方式进行改革,从而保证不同医疗机构、医务人员之间的公平性,使全社会承担医疗风险,保证无论发生多大赔偿数额的医疗损害赔偿,医疗机构都能正常运行,患者都能得到及时赔偿。

New Thought of Medical Liability Insurance Reform

The medical liability insurance is the effective tool of transferring the medical profession risk and settling medical disputes. The insurance in China started not long ago, and is in "the bad conditions" now. To discuss the effective method of solving "the bad conditions"emphatically put forward that the medical liability insurance should imitate mandatory and the third party authentication of"mandatory motor vehicle traffic liability insurance",adopt the mode of calculating premium in the medical insurance,otherwise not be taken the profit as the goal with the financial subsidies.Thus,the fairness between the hospitals and the doctors would be guaranteed,and the medical risk would be socialized. The hospital would operate normally and the patients would obtain the damages compensation,no matter what the damages compensation is tremendous.