相互保险:我国医疗责任保险的发展取向--美国医疗责任相互保险公司的启示

责任保险是重要的风险转移工具(Alternative Risk Tansfer,ART),但商业性的保险公司为了追求商业利润往往不愿承保日益膨胀的医疗风险。美国非商业性的相互保险公司能为医疗风险提供弹性的保险计划,有力的风险管理,多功能的法律服务,而且低成本运作。我国应以美国医疗责任相互保险为模型,从社会系统工程的角度构建医疗损害赔偿制度。

Mutual Insurance: orientation for developing medical malpractice insurance

Liability insurance is one of important Alternative Risk Tansfers (ART). Few commercial insurance companies provide insurance for the increasing medical risk for the sake of profits. With low operating cost, American medical liability mutual insurance companies can provide flexible insurance program, effective medical risk management and multifunctional legal service. In China, we should take the American non-commercial medical liability mutual insurance companies as model and estabish the compensation system for medical damage from the perspective of social systems engineering.