【摘要】 本文在综合考察美国、我国台湾和大陆地区有关保单条款的基础上,就医疗责任保险条款中一些重要和有特色性的条款进行比较和分析。作者认为应当明确约定双方的抗辩权,同时应当规定保险人的抗辩义务,但在大陆实施时应当审慎。应当将有关抗辩费用单列处理,但明确限定分担限额或者灵活处理则各有利弊,对于诉讼结案的,可以不用免赔额,但对于非诉讼渠道解决,应当适用免赔额。更多还原

【Abstract】 Based on the comprehensive study about the medical professional liability insurance clauses in the US,Chinese Taiwan and the mainland,the author compared their major and typical clauses.The author held the opinion that the plea right of the insurer and the insured shall be properly defined,and although the plea obligation of the insurer should also be clarified,it should be prudently implemented in the mainland.The cost of plea should be listed respectively,and there were both advantages and disadvantages to limit the contributory limit or allow for flexible settlement.Moreover,the deductible clause may not be applied in the situation of settlement by lawsuit,but the deductible should be used otherwise.更多还原