医疗责任保险制度存在问题及对策研究

摘    要
医疗责任保险能够有效分散医疗执业风险，赔偿医疗机构因医疗侵权对患者造成的损害。通过对我国实施医疗责任保险历史及现状的分析，总结出目前医疗责任保险制度存在政府部门重视不够、保险公司操作谨慎、医疗机构参保不积极、保险产品内容设置不当、保险人才缺乏等主要问题，应采用政府制定统一参保政策、完善筹资渠道、完善法律法规、提高医务人员的职业保险意识、创新医疗责任保险产品、培养复合型人才等措施加以解决。
                

关键词： 风险；医疗纠纷；医疗责任保险；强制保险

 
Abstract
Medical liability insurance is the effective method that can distract medical professional risk, and pay for medical damage from the insurance policy-holder. By analyzing the history and situation of medical liability insurance practice, summarizing the key problems, which government thinks the insurance lightly, insurance-company works carefully, hospital purchasing chillily, the insurance product content establishes is improper and the insurance talented person lack. Countermeasure researching, giving the countermeasures to those problems: government constituting the policy of forcing the hospitals purchasing medical liability insurance totally, and perfecting the financing system; perfecting the civil law system, improving doctors' recognizing to professional insurance, affording more perfect insurance products for purchaser in hospital, educating the expert being familiar with medicine, law and insurance.

Keywords：risks; medical dispute; medical liability insurance; compulsory insurance

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