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医疗活动因其所具有的超高风险,而迫切需要相应的保险机制将风险分散转嫁。医疗责任保险以其独特的性质,能够有效分摊医疗风险对医疗机构带来的经济损失,缓解医患矛盾,解决医患纠纷,从而有效促进社会可持续发展。因此有必要就我国医疗责任保险存在问题及解决对策进行一番探讨。
Because of their high risk, medical activities urgently need corresponding insurance mechanisms to diversify the risks. Due to its unique nature, medical liability insurance can effectively share the economic losses caused by medical risks to medical institutions, ease the contradiction between doctors and patients, and solve the disputes between doctors and patients so as to effectively promote the sustainable development of society. Therefore, it is necessary to discuss the existing problems and countermeasures of medical liability insurance in our country.