我國(guó)醫(yī)療責(zé)任保險(xiǎn)的現(xiàn)狀及對(duì)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(guó)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(guó)醫(yī)療責(zé)任保險(xiǎn)現(xiàn)狀分析 4
3.1基本情況 4
3.1.1醫(yī)療責(zé)任保險(xiǎn)在我國(guó)起源及發(fā)展歷程 4
3.1.2醫(yī)療責(zé)任保險(xiǎn)的主體 5
3.1.3醫(yī)療責(zé)任險(xiǎn)的實(shí)施模式和組織模式 5
3.1.4醫(yī)療責(zé)任保險(xiǎn)的參保情況 6
3.1.5醫(yī)療責(zé)任保險(xiǎn)的保費(fèi)和保險(xiǎn)范圍 6
3.1.6醫(yī)療責(zé)任保險(xiǎn)的理賠情況 7
3.2存在問(wèn)題 7
3.2.1參保率不足 7
3.2.2保險(xiǎn)公司保費(fèi)厘定不合理 8
3.2.3保險(xiǎn)公司經(jīng)營(yíng)醫(yī)療責(zé)任保險(xiǎn)困難 9
3.2.4醫(yī)療糾紛處理困難 9
3.3存在問(wèn)題的原因分析 9
3.3.1自愿性投保對(duì)醫(yī)療責(zé)任保險(xiǎn)的阻礙作用 9
3.3.2醫(yī)療機(jī)構(gòu)及醫(yī)務(wù)人員對(duì)醫(yī)療責(zé)任險(xiǎn)認(rèn)識(shí)不足 10
3.3.3保險(xiǎn)范圍、期限不合理 10
3.3.4風(fēng)險(xiǎn)評(píng)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(jī)構(gòu) 11
第4章醫(yī)療責(zé)任保險(xiǎn)國(guó)外實(shí)踐及借鑒 11
4.1國(guó)外實(shí)踐基本情況 11
4.1.1美國(guó)自保型醫(yī)療責(zé)任保險(xiǎn) 11
4.1.2英國(guó)互助性醫(yī)療責(zé)任保險(xiǎn) 12
4.1.3德國(guó)社會(huì)保障型醫(yī)療責(zé)任保險(xiǎn) 12
4.2借鑒意義 12
4.2.1推行強(qiáng)制性醫(yī)療責(zé)任保險(xiǎn) 12
4.2.2擴(kuò)大保險(xiǎn)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(jī)構(gòu) 13
第5章完善我國(guó)醫(yī)療責(zé)任保險(xiǎn)對(duì)策 13
5.1加快醫(yī)療責(zé)任保險(xiǎn)立法 13
5.2加強(qiáng)輿論對(duì)醫(yī)療責(zé)任險(xiǎn)重要性的宣傳 13
5.3加快醫(yī)療責(zé)任險(xiǎn)人才培養(yǎng) 14
5.4保險(xiǎn)公司建立風(fēng)險(xiǎn)數(shù)據(jù)庫(kù)，保費(fèi)厘定合理化 14
結(jié)論 15
致謝 16
參考文獻(xiàn) 17


摘要 近年來(lái)我國(guó)醫(yī)患關(guān)系緊張，醫(yī)療糾紛頻發(fā)，每年上萬(wàn)起醫(yī)療糾紛，對(duì)社會(huì)產(chǎn)生了嚴(yán)重不良影響，盡快建立起一套適合我國(guó)國(guó)情的醫(yī)療責(zé)任保險(xiǎn)制度，顯得尤為重要。目前我國(guó)醫(yī)療責(zé)任險(xiǎn)還很不完善，主要存在以下幾方面問(wèn)題：參保率不足、保險(xiǎn)公司保費(fèi)厘定不合理、保險(xiǎn)公司經(jīng)營(yíng)醫(yī)療責(zé)任保險(xiǎn)困難、醫(yī)療糾紛處理困難等。根據(jù)我國(guó)醫(yī)療責(zé)任保險(xiǎn)的開(kāi)展沒(méi)有統(tǒng)一明確的法律支持又缺少專(zhuān)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(zé)任保險(xiǎn)立法；二是加強(qiáng)輿論對(duì)醫(yī)療責(zé)任險(xiǎn)重要性的宣傳；三是加快醫(yī)療責(zé)任險(xiǎn)人才培養(yǎng)；四是保險(xiǎn)公司建立風(fēng)險(xiǎn)數(shù)據(jù)庫(kù)，保費(fèi)厘定合理化。
關(guān)鍵詞 醫(yī)療責(zé)任保險(xiǎn)；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