关于建立“医疗风险保险”的探讨

医疗活动具有很强的风险性，受现代医学科学技术、执业人员的业务素质、职业行为、道德行为以及医疗设备、病人自身机体差异等诸多因素的制约，无论哪一环节出了问题均对医疗后果产生影响导致医疗纠纷，给卫生行政部门处理带来困难。医患双方参加医疗风险投保，承担各自的风险，由医院、保险公司共同建立风险保险制度开辟了一条保障人民健康的新路子。

Exploring the establishment of medical risk insurance

There are much risk in clinic practice,which are restricted by many elements,for example,modern medical technology,vocational level,practical behavior,and moral behavior of professional ,medical equipment,difference between patients condition.Problems occurring among anyone of above elements can effect medical results and can result in medical issue thus carry much difficulty to the adjusting of health administrative office.Medical department and patients both insure the medical risk,and accept of one's risk.Medical risk insurance regulation,made by hospital,patients and insurance company,open a new route for insuring people's health.