我國醫(yī)療責任保險的現(xiàn)狀及對策研究

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目錄
第1章緒論 1
1.1研究背景 1
1.2研究目的和意義 1
1.3國內(nèi)外研究綜述 2
第2章基本概念及相關(guān)理論 3
2.1相關(guān)基本概念 3
2.2相關(guān)理論 3
2.2.1生命健康權(quán) 3
2.2.2大數(shù)法則 3
第3章我國醫(yī)療責任保險現(xiàn)狀分析 4
3.1基本情況 4
3.1.1醫(yī)療責任保險在我國起源及發(fā)展歷程 4
3.1.2醫(yī)療責任保險的主體 5
3.1.3醫(yī)療責任險的實施模式和組織模式 5
3.1.4醫(yī)療責任保險的參保情況 6
3.1.5醫(yī)療責任保險的保費和保險范圍 6
3.1.6醫(yī)療責任保險的理賠情況 7
3.2存在問題 7
3.2.1參保率不足 7
3.2.2保險公司保費厘定不合理 8
3.2.3保險公司經(jīng)營醫(yī)療責任保險困難 9
3.2.4醫(yī)療糾紛處理困難 9
3.3存在問題的原因分析 9
3.3.1自愿性投保對醫(yī)療責任保險的阻礙作用 9
3.3.2醫(yī)療機構(gòu)及醫(yī)務(wù)人員對醫(yī)療責任險認識不足 10
3.3.3保險范圍、期限不合理 10
3.3.4風險評估缺少數(shù)據(jù)積累 10
3.3.5賠付率高 10
3.3.6缺少有公信力的鑒定及調(diào)解機構(gòu) 11
第4章醫(yī)療責任保險國外實踐及借鑒 11
4.1國外實踐基本情況 11
4.1.1美國自保型醫(yī)療責任保險 11
4.1.2英國互助性醫(yī)療責任保險 12
4.1.3德國社會保障型醫(yī)療責任保險 12
4.2借鑒意義 12
4.2.1推行強制性醫(yī)療責任保險 12
4.2.2擴大保險范圍，規(guī)定賠償限額 12
4.2.3完善醫(yī)療糾紛第三方調(diào)解機構(gòu) 13
第5章完善我國醫(yī)療責任保險對策 13
5.1加快醫(yī)療責任保險立法 13
5.2加強輿論對醫(yī)療責任險重要性的宣傳 13
5.3加快醫(yī)療責任險人才培養(yǎng) 14
5.4保險公司建立風險數(shù)據(jù)庫，保費厘定合理化 14
結(jié)論 15
致謝 16
參考文獻 17


摘要 近年來我國醫(yī)患關(guān)系緊張，醫(yī)療糾紛頻發(fā)，每年上萬起醫(yī)療糾紛，對社會產(chǎn)生了嚴重不良影響，盡快建立起一套適合我國國情的醫(yī)療責任保險制度，顯得尤為重要。目前我國醫(yī)療責任險還很不完善，主要存在以下幾方面問題：參保率不足、保險公司保費厘定不合理、保險公司經(jīng)營醫(yī)療責任保險困難、醫(yī)療糾紛處理困難等。根據(jù)我國醫(yī)療責任保險的開展沒有統(tǒng)一明確的法律支持又缺少專業(yè)復(fù)合型人才的情況，本文從以下幾方面提出建議：一是加快醫(yī)療責任保險立法；二是加強輿論對醫(yī)療責任險重要性的宣傳；三是加快醫(yī)療責任險人才培養(yǎng)；四是保險公司建立風險數(shù)據(jù)庫，保費厘定合理化。
關(guān)鍵詞 醫(yī)療責任保險；醫(yī)療糾紛；第三方調(diào)解

Present situation and countermeasures of medical liability insurance in our country
Abstract In recent years,There are tense relationship between doctors and patient,medical disputes occur frequently, every year tens of thousands of medical dispute, had a serious adverse impact on society . It is important for government to establish a set of medical liability insurance system suitable for our national conditions as soon as possible. At present the medical liability insurance of our country is not perfect and mainly has the following problems: the insured rate is insufficient, the insurance premium is not reasonable, the insurance companies manage medical liability insurance unreasonably, and it is too difficult to deal with medical disputes. According to the details that the development of medical liability insurance in China has no clear legal support and the lack of professional talents, this paper puts forward suggestions from the following aspects: the first one is to establish medical liability insurance legislation as soon as possible; the second one is to enhance opinion propaganda to medical liability insurance; the third one is to accelerate the cultivation of professional talent; the last one is to establish risk database, and make premium rate reasonable.
Keywords: medical liability insurance; medical dispute; mediation by a third party