發(fā)布時間：2018-03-06 17:26

  本文選題：醫(yī)療糾紛　切入點：醫(yī)療風險　出處：《山東財經(jīng)大學》2016年碩士論文　論文類型：學位論文

【摘要】：醫(yī)療行為是一項要求高專業(yè)、高技術水平,具有高度風險性的行為。近幾年來,由于醫(yī)療損害行為導致的醫(yī)療事故案件數(shù)量不斷上升,“醫(yī)療暴力事件”頻頻上報,導致醫(yī)患關系日趨緊張,僅依靠尚不完善的醫(yī)療侵權責任體系已經(jīng)無法適應這一嚴峻現(xiàn)實。我國部分地區(qū)已經(jīng)嘗試通過推行強制性的醫(yī)療責任保險來改善十分緊張的醫(yī)患關系以及醫(yī)生為規(guī)避風險采取防御性治療等問題,但是總體來說,由于我國醫(yī)療責任保險缺乏統(tǒng)一的法律制度規(guī)范和有效的制度設計,保險公司推出的保險產(chǎn)品與醫(yī)療機構的實際需求存在較大差距,再加之理賠程序繁瑣復雜,并不能及時有效解決醫(yī)療糾紛,導致實行自愿投保的地區(qū),醫(yī)療機構參保率很低。因此,除了制度本身存在的問題,還存在諸如是否應該賦予受害患者直接賠償請求權、各地政府主導的強制保險對象以大中型醫(yī)院為主是否合理、醫(yī)療責任保險是否能夠幫助醫(yī)院解決令其困擾的醫(yī)療糾紛問題以及醫(yī)療責任保險條款如何設計等問題。為了研究這些問題,本文除了緒論和結語外,主要有以下五個章節(jié):第二章主要介紹了醫(yī)療責任保險的基礎理論以及醫(yī)療責任保險在國內(nèi)外的發(fā)展情況。從責任保險與民事賠償責任制度的關系入手,進一步探討了醫(yī)療責任保險制度與侵權責任制度的關系,兩者之間是相互聯(lián)系、相互影響的。第三章主要介紹了醫(yī)療責任保險的法律關系。從醫(yī)療責任保險合同入手,分別介紹了保險人、投保人和被保險人以及第三人之間的法律關系,同時對醫(yī)療責任保險的責任范圍、免責事項等做了詳細研究。最后筆者認為,在醫(yī)療責任保險合同中應該賦予受害患者直接賠償請求權,并進一步分析了第三人直接請求權的可行性依據(jù)。第四章主要是對我國醫(yī)療責任保險制度的現(xiàn)狀分析。首先介紹了我國醫(yī)療責任保險的創(chuàng)設及發(fā)展,雖然我國已經(jīng)有部分地區(qū)開始推行醫(yī)療責任保險,但是真正貫徹落實的并不多,較多的省市還只是停留在政府的紙面文件上;其次是分析了目前制約我國醫(yī)療責任保險制度發(fā)展的制約因素,即市場需求不足、法律制度不完善等。第五章主要介紹了美國醫(yī)療責任保險制度。首先介紹了其發(fā)展歷程及兩次醫(yī)療責任保險危機,并總結了爆發(fā)危機的原因;其次總結美國醫(yī)療責任保險制度發(fā)展經(jīng)驗對我國的啟示。第六章主要是通過對以上幾章論述,認為我國醫(yī)療責任保險制度宜采用專門立法的方式,并制定統(tǒng)一的醫(yī)療責任保險條例,完善醫(yī)療責任保險法律條款,最后對條款設計提出了自己的構思。
[Abstract]:Medical behavior is a kind of behavior requiring high professional, high technical level and high risk. In recent years, the number of medical malpractice cases caused by medical damage behavior has been increasing, "medical violence" has been reported frequently. Leading to growing tensions between doctors and patients, Only relying on the imperfect medical tort liability system has been unable to adapt to this grim reality. Some areas of our country have tried to improve the very tight doctor-patient relationship and doctors' behavior through the implementation of compulsory medical liability insurance. Such issues as risk aversion and defensive treatment, But generally speaking, due to the lack of unified legal system and effective system design of medical liability insurance in our country, there is a big gap between the insurance products launched by insurance companies and the actual needs of medical institutions, and the procedures for settling claims are cumbersome and complex. Medical disputes cannot be resolved in a timely and effective manner. In areas where voluntary insurance is carried out, the participation rate of medical institutions is very low. Therefore, in addition to the problems existing in the system itself, there are also problems such as whether the injured patients should be given the right to claim direct compensation. Is it reasonable for local governments to direct compulsory insurance to large and medium-sized hospitals? Whether the medical liability insurance can help the hospital to solve the problems of medical disputes and how to design the medical liability insurance clause. In order to study these problems, this paper, in addition to the introduction and conclusion, There are five chapters as follows: the second chapter mainly introduces the basic theory of medical liability insurance and the development of medical liability insurance at home and abroad. The relationship between the medical liability insurance system and the tort liability system is further discussed. The third chapter mainly introduces the legal relationship between the medical liability insurance system and the tort liability insurance system, starting with the medical liability insurance contract, the third chapter mainly introduces the legal relationship between the medical liability insurance system and the tort liability system. This paper introduces the legal relationship among the insurer, the insured, the insured and the third party respectively. At the same time, the author makes a detailed study on the scope of liability insurance, exemption from liability and so on. In the medical liability insurance contract, the injured patients should be given the right to claim direct compensation. Chapter 4th mainly analyzes the current situation of medical liability insurance system in China. Firstly, it introduces the establishment and development of medical liability insurance in China. Although some areas of our country have begun to implement medical liability insurance, but the implementation of the implementation of the real is not many, more provinces and cities are still only staying on the paper documents of the government; Secondly, it analyzes the restrictive factors that restrict the development of medical liability insurance system in our country at present, that is, insufficient market demand. Chapter 5th mainly introduces the medical liability insurance system of the United States. First, it introduces its development course and two medical liability insurance crises, and summarizes the causes of the crisis. Secondly, it summarizes the enlightenment to our country from the development experience of the medical liability insurance system in the United States. Chapter 6th mainly discusses the above chapters, and thinks that the medical liability insurance system of our country should adopt the special legislation method. It also formulates the unified medical liability insurance regulations, consummates the medical liability insurance legal provisions, and finally puts forward its own conception to the clause design.
【學位授予單位】：山東財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：D922.182.3

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