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医疗技术的发展及其固有的高风险性,使得医疗损害往往超出了理性人标准的行为预期,也超过了侵害人的承受能力;而单纯依靠医疗侵权损害赔偿责任的分配,无法填补医疗损害。因此,建立以医疗责任保险为主体,以社会医疗保障和医疗意外保险等为补充,由医疗机构、政府、个人等共同分担的医疗损害赔偿的风险分散机制是实现医疗损害赔偿社会化的必然要求,是应对现代风险社会中医疗损害频发的最佳选择。
The development of medical technology and its inherent high-risk make the medical damage often exceed rational people’s standard behavior expectation and surpass the ability of infringer. However, medical liability can not be filled simply by relying on the distribution of medical tort damages liability. Therefore, the establishment of a risk-based mechanism for medical claims liability insurance as the main body, social health insurance and medical accident insurance as the supplement, shared by medical institutions, government, individuals and other medical damages is the inevitable requirement for the socialization of medical damages , Is the best choice to deal with the frequent medical damage in modern risk society.