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目前 ,我国医疗制度改革带动了医疗责任保险市场需求的增加 ,但我国医疗责任保险的保险条款还存在着许多不合理之处 ,如保费偏高 ,保障对象单一 ,保障额度不足等 ,致使保费收的多、赔的少 ,保险市场难以培育。因此 ,医疗责任保险要提高赔付额度 ,使被保险人得到充分保障 ,扩大被保险人的范围 ,开拓市场。
At present, the reform of medical system in our country has led to the increase of the medical liability insurance market. However, there are still many unreasonable terms in the medical insurance coverage in our country, such as the high premium, the single protection, the insufficient protection, More, less compensation, the insurance market is difficult to nurture. Therefore, medical liability insurance should increase the amount of compensation, so that the insured is fully protected, to expand the scope of the insured, open up the market.