医疗责任保险亟待处理的五大关系及解决路径研究.pdfVIP

医学法学 医学与哲学 2016 年 3 月第 37 卷第 3A 期总第 544 期 医疗责任保险亟待处理的五大关系及解决路径研究兴 胡颖①冯磊①谭创① 摘要:通过提炼医疗责任保险的五大核心要素，即推行方式、风险保障模式、购买主体、理赔要件及纠纷处理，归纳其所包 舍的五组关系，即强制与自愿p 商业保险模式与互助性保障模式、社会保险模式;医疗机构与医务人员、政府E 过错赔偿与 无过错赔偿及医疗责任保险介入与不介入解决纠纷。并且，从含义、利弊及国内外现状等方面深入剖析上述关系。指出 我国应强制榕行医疗责任保险、构建多元化的风险保障模式、实行多主体共担保费、采用过错赔偿i!t部分领域元过错赔偿 相结合的理赔方式并应积极介入纠纷处理。 关键词z 医疗责任保险，多元，保障模式，购买主体，过错赔偿 中图分类号;R-05 ， D922.16 文献标识码:A 文章编号:1002←0772(2016)03 - 0059-04 001:10. 12014/j. issn.1002一0772. 2016. 03a. 17 Study 00 Five Relations of Medical Liability Insurance to Be Solved and tbe Approacbes HU Ying , FENG Lei , TANChuang. School of Public Health and Management , Chongqing Medical University/ Research Center for Medicine and Social Development/ Innovation Center for Social Risk Governance in Health , Chongqing 400016 , China Abstract ,By refiníng five core elements of medicalliabílity insurance , which include implementation method , risk guarantee model , purchase subject , claim document and dispute settlement , this paper summarized five relatìons. ìncluding compulsory and voluntary. commercìal insurance mode and mutual support mode and socìal insurance mode. medìcal instìtutìons and doctors and the government. fault compensation and no- fault cornpensation , intervene disputes and not intervene disputes. Furtherrnore , it analyzed these relationships from the perspective of the rneaning , advantages and disadvantages , current situation and so on. It found that rnedical liability insurance in China should be compulsory irnplernented. It needed to build a multivariate assurance mode and have multi-buyers. adopt fault compensatìon combìning with no-fault compensation in dealing