【作者】 田亚军；

【导师】 刘海莺；

【作者基本信息】 辽宁大学 ， 保险（专业学位）， 2016， 硕士

【副题名】以温岭杀医案为例

【摘要】 进入新世纪,我国的医疗卫生事业取得了长足的进步和发展,我们战胜了一个又一个疾病难题,屠呦呦老先生摘得诺贝尔生理学或医学奖。一切都感觉我们行走在医学发展的快车道上,但是最近几年来,我国的医生与患者的矛盾,却是不绝于耳。而且,运用暴力手段对医生进行伤害,对医院进行冲击的事件,时有发生。国内出现了一种新的职业“医闹”,让医院苦不堪言。这些职业“医闹”不仅极大的冲击着医疗机构正常的诊治环境,更是对医疗机构的从业医师的生命安全构成威胁,给医生造成心理压力,而且对患者也造成了极大的的恶劣危害。暴力解决医疗纠纷已经成为一个不容忽视的社会问题。众所周知,医疗行业是风险非常大的行业,近年来,我国的医患纠纷时常占据各大媒体报纸的头条,医患矛盾有愈演愈烈的态势,双方之间的信任程度降至冰点,医患矛盾不断升级,用暴力伤害医生的案件经常出现,医患双方矛盾使医疗机构承担着非常大的社会压力和经济压力。严重制约着我国医疗卫生事业的和谐健康发展。而作为解决医患矛盾的重要方法的医疗责任保险,却发展迟缓,保险市场上虽然医疗责任保险的供给主体不少,但是各供给主体之间存在着同质化严重,保障范围狭窄,保险理赔繁琐,免赔额和责任限额过于苛刻等问题。再者,我国医疗责任保险实行的时间不长,经验缺乏,大数据的缺失。都是造成我国医疗责任保险在缓解医患矛盾方面发挥作用不足。我国需要完善医疗责任保险,通过保险来转移医疗风险。同时医疗责任保险也丰富着我国保险业险种种类的多样性,有助于维护社会的稳定和谐。本文首先以“温岭杀医案”为切入点来论述医患矛盾对医院和人民群众造成的严重损失,以及对社会的影响。其次,针对现阶段医疗责任保险在医院的供给和需求进行分析,提出建立以需求为导向的针对不同主体的个性化医疗责任保险。国家在重视医患矛盾的同时,保险作为风险管理的手段,也应在分担医疗事故风险造成的损失中充当重要的角色。通过对发达国家医疗责任保险的研究总结出对我国的启示。我国法律在医患矛盾方面的缺失以及保险公司在医疗风险中的缺位,都是急需解决的问题,最后通过分析我国现有的医疗责任保险所面临的障碍和困境,提出完善我国医疗责任保险应该在哪些方面重点把握,然后针对我国现有的医疗责任保险所面临的自身问题以及在推行中所面临的问题提出相应的建议。我国应建立限额加强制的医疗责任保险,加强政府在医疗责任保险推行中所扮演的重要推动角色,积极响应保险业服务社会的宗旨。政府还需要加快医疗事业的改革进程,努力建立一种高效、和谐、公平的医疗责任保险环境,从而分散医疗责任风险,减少暴力伤医案件的发生,推动医疗卫生事业的发展,建立和谐的医患关系,有效促进社会和谐进步。更多还原

【Abstract】 Entering the new century, China’s medical and health undertakings have made great progress and development, we beat one disease problem, tu old man won the Nobel Prize in physiology or medicine. All feel we walk in the fast lane of medical development, but in recent years, the contradiction between doctors and patients in our country, it is. And use violent means to hurt the doctor to the hospital to the impact of events, often happened. Domestic comes a new professional "medical alarm", let the hospital. These "medical alarm" is not only a great environmental impact the normal diagnosis and treatment of medical institutions, but a practitioner of medical institutions a threat to the safety of the lives of psychological stress caused to the doctor, but also to patients with a bad caused great harm. Violence to solve medical disputes has become a social problem that nots allow to ignore. As is known to all, the health care industry is very risky industry, in recent years, our country medical disputes often occupy the media headlines, doctor-patient conflicts have intensified, the two sides dropped to freezing point, the trust degree between the doctor-patient conflicts escalated, with violence cases often appear the doctor, patient the contradiction between the medical institutions still bear the great social pressure and economic pressure. Severely restricts the harmonious and healthy development of the medical and health undertakings in our country. As the important way to solve the doctor-patient contradiction of medical liability insurance, but slow development, while the supply of medical liability insurance insurance market main body, but the supply main body exists between homogeneity serious, narrow, insurance claims trival, franchise and the limit of liability is too harsh. Moreover, the medical liability insurance in China time is not long, the lack of experience, the lack of big data. Is the medical liability insurance in our country play a role in ease the doctor-patient contradiction.Need to improve the medical liability insurance in our country, the transfer of medical risks by insurance. Medical liability insurance at the same time also to enrich the diversity of risks in the insurance industry, helps to maintain the stability of the society harmonious. This article first to "possessing kill basis" as the breakthrough point to discuss the doctor-patient contradiction to hospitals and the masses caused serious losses, as well as its influence on society. Secondly, in view of the present supply and demand of medical liability insurance in the hospital were analyzed, and the proposed demand oriented to different main body of personalized medical liability insurance. Countries at the same time of attaches great importance to the doctor-patient contradiction, insurance as a tool of risk management, also should share the medical risk caused by the loss of ACTS as an important role. Based on the research of the medical liability insurance in the developed countries summed up the enlightenment to our country. The lack of law in our country in the aspect of doctor-patient contradiction and the absence of insurance companies in the medical risks, are urgently needed to solve problems, and finally through the analysis of the existing medical liability insurance in our country faces obstacles and difficulties, puts forward to perfect our medical liability insurance should be in what aspects mainly master, and in view of the existing medical liability insurance in China is facing its own problems and faced problems in pushing forward the corresponding Suggestions. Limitation of our country should establish strengthen medical liability insurance system, to strengthen the government in the medical liability insurance to implement an important promoting role, actively response to the social insurance service tenet. Governments need to accelerate the process of the reform of the medical enterprise, efforts to establish a highly efficient, harmonious and fair environment, medical liability insurance to disperse medical liability risk, reduce violence injury medical cases, promote the development of medical and health undertakings, to establish the harmonious doctor-patient relationship, effectively promote social harmony and progress.更多还原