| 摘要: |
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北京协和医院已开展近10年医疗责任险，其在分散和转移医疗风险方面取得了一定成效。然而结合医院运行数据，医疗责任险仍然存在投保额高、赔偿少、回款慢、限制多、程序繁琐，保险抗风险能力与医院投保初衷相分离等问题。基于此，提出建立医疗机构与医务人员分别投保医责险的制约机制、推动建立强制性医疗责任保险、建立医疗纠纷“保险—调解—评估—理赔”四位一体快速解决机制等建议。 |
| 关键词: 医疗责任险 医院 医疗纠纷 |
| DOI： |
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| 基金项目: |
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| Analysis and Reflection on the Effect of Medical Liability Insurance in the Hospital for Ten Years |
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| Abstract: |
| The hospital has carried out medical liability insurance for nearly 10 years，and achieved certain results in the spread and transfer of medical risk，however，combined with the hospital operation data，medical liability insurance is still high，compensation for insured amount is less, payment rate is low，insurance limit are too much， and cumbersome procedures are tedious，anti risk ability and hospital insurance original phase are of separation. Based on this，the study proposes suggestions, such as establishing the medical liability insurance coverage restriction mechanism of medical institutions and medical personnel，promoting the establishment of compulsory medical liability insurance，and establishing “insurance-conciliation-assessment-settlement of claims” mechanism and so on. |
| Key words: medical liability insurance,hospital,medical dispute |
