摘要
医疗责任保险在规范医疗事故处理、缓解医患纠纷等方面具有先天优势,它在拓展了保险公司业务范围的同时,提升了社会的总体福利水平,转嫁了医生的职业风险并给医疗纠纷的患者提供直接经济补偿,是一个多方受益的制度。本文基于国际上的相关文献,阐述了医疗责任保险制度存在的积极意义,对医疗责任保险进行了经济学分析,探讨和检验了影响责任保险发展的主要因素,在此基础上,结合我国的具体情况提出了政策建议。
When dealing with medical negligence and patient-hospital disputes, medical liability insurance has the inborn advantages. It＇ s a win-win institutional arrangement from many aspects, such as expanding the insurance business scale, improving the level of overall social welfare, transferring the doctor＇ s professional risk and providing direct economic compensation to patients and so on. In this paper, based on the international literature, we elabora- ted on the positive significance of medical liability insurance, analyzed this arrangement from an economic perspec- tive, and tested the main factors affecting the medical liability insurance. Based on the above analysis, this paper put forward policy advice in the end.
出处
《保险研究》
CSSCI
北大核心
2016年第10期109-118,共10页
Insurance Studies
基金
国家社科基金重大项目"建立社会公平保障体系与维护社会公平正义研究"(13&ZD042)
教育部哲学社会科学研究重大课题攻关项目"我国商业养老保险制度体系与运行机制研究"(14JZD027)
保监会项目"中国寿险公司成长路径研究"阶段性研究成果
关键词
医疗责任保险
研究脉络
经济学分析影响因素
medical liability insurance
research scheme
economic analysis
affecting factors
