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医疗责任保险作为分散和化解医疗职业风险的重要制度,其功能和价值已为我们所认识,但其运行过程中可能出现的潜在缺陷和弊端却为我们所忽视。本文在借鉴保险理论和对国内外有关医疗责任保险实践分析的基础上,总结了医疗责任保险存在的缺陷,并提出了相关的应对措施。
As an important system to disperse and resolve medical occupational risks, medical liability insurance has known its function and value. However, the potential defects and shortcomings that may arise in its operation are neglected by us. Based on the theory of insurance and the analysis of medical liability insurance at home and abroad, this article summarizes the shortcomings of medical liability insurance and puts forward corresponding countermeasures.