摘要
对2015年10月22日-2020年12月31日,成都市33家三级综合医院医疗责任险投保情况及目前成都市医疗责任保险制度实施现状及存在的问题进行分析,发现33家三级综合医院中只有13家投保了医疗责任险,医疗机构投保积极性不高,存在保险保费过高、保障范围有限、市场需求不足、理赔流程不畅等问题。提出通过政府部门统筹投保增加谈价筹码以降低保费、完善保险产品设计增加投保范围、立法强制推行保险增加投保数量、简化理赔流程等建议。
This paper analyzes insurance of medical liability insurance and problems of current implementation situation of medical liability insurance system in 33 three-level comprehensive hospitals in Chengdu from Oct.22,2015 to Dec.31,2020.It finds that only 13 medical institutions have insured medical liability insurance,and medical institutions have low enthusiasm for the insurance,led to problems such as high insurance premium,limited coverage,insufficient market demand and poor path of claim settlement.It puts forward suggestions of that increase bargaining chips for reducing premium through planning as a whole by the government,improve the design of insurance products,increase the scope of insurance,legislation and force to push insurance,increase the number of insurance,simplify the claims settlement procedures and so on.
作者
陈龙
李榆茜
谢雪
CHEN Long;LI Yu-xi;XIE Xue(Chengdu Second Peope's Hospital,Chengdu Sichuan 610021,China)
出处
《卫生软科学》
2021年第7期75-77,共3页
Soft Science of Health
关键词
三级综合医院
医疗责任保险
成都市
three-level general hospitals
medical liability insurance
Chengdu
作者简介
陈龙(1987-),男,四川简阳人,硕士,医院管理技师,主要从事卫生事业管理、医院管理方面的工作;通信作者:谢雪(1970-),女,四川彭州人,本科,主任医师,主要从事医院管理、临床内分泌科方面的工作。
