摘要
医师责任保险责任触发机制可分为事故发生基础制与索赔基础制两种。为平衡保险人与被保险人之间的利益关系,在事故发生基础制中应明确保险事故的含义,区分保险事故发生与保险责任产生之时点,以发现期或报告期限制责任主张之时点;在索赔基础制中应以不同于保险期间的追溯日期限制责任发生之时点,区分不同原因设置扩展报告期以延伸责任主张之时点。我国医师责任保险处于起步阶段,应以索赔基础制为主,承保普遍意义上的医师执业风险;以事故发生基础制为辅,有针对性地为某些特定的医师提供保障。
The liability trigger mechanism of physician liability insurance includes the occurrence basis and the claims-made one. In order to balance the interest relationship between the insurer and the insured, in the occur rence basis, the implication of insurance accident Should be clear, the occurrence time-point of insurance accident and insured liability should be differentiated, and the claiming time-point of insured liability should be restricted with the discovery period or reporting period. But in the claims-made basis, the occurrence time-point of insured liability should be restricted with the retroactive date which is different from the insurance period, the extended reporting period should be set for extending the claiming time-point of the insured liability according to the different reasons. The physician liability insurance in China, which is still in its early stages, should engage primarily in the claims-made basis to underwrite the physician＇s practicing risk in general and also be supplemented by the occurrence basis so as to offer the specific protection for the certain physicians.
出处
《海南大学学报（人文社会科学版）》
CSSCI
2014年第5期67-75,共9页
Journal of Hainan University （Humanities & Social Sciences）
基金
中南财经政法大学2013年度博士生科研创新课题(2013B0505)
关键词
事故发生基础制
索赔基础制
保险事故
保险责任
追溯期
扩展报告期
occurrence basis
claims-made basis
insurance accident
insured liability
retroactive date
extended reporting period
