In recent years, claims for medical disputes are increasing day by day, which makes some hospitals feel deeply headache. As a way to transfer pressure, medical liability insurance was once regarded as the "life-saving straw" of medical institutions-insurance companies bear the financial compensation responsibility of hospitals for patients due to medical accidents or mistakes, thus transferring the risks of hospitals and doctors. However, so far, most medical institutions in our province are wandering outside the threshold of medical liability insurance. A few hospitals in our province that set foot in medical liability insurance earlier have also begun to worry.
Two years ago, Changfeng County People's Hospital introduced medical liability insurance earlier in our province, which brought many surprises to the medical staff at that time. But this year, the hospital is stuck in continuing to insure medical liability insurance.
In June, 2000, Changfeng County People's Hospital insured medical liability insurance for two years in Changfeng County Branch of China People's Insurance Company, and paid nearly 65,438+10,000 yuan. Xue Wenhai, vice president of the hospital, said that over the past two years, medical liability insurance has indeed played a certain "centering" role, but there have also been unsatisfactory places. According to reports, in more than two years, the hospital only involved a medical accident and was awarded more than 20,000 yuan. But in more cases, "when it comes to medical disputes, the insurance company only compensates based on the established responsibility certificate, and the trouble of the hospital has not actually decreased."
Xie, vice president of Feixi County People's Hospital, said that the hospital had medical liability insurance since July. 1999. In the past four years, the hospital has basically not encountered any incidents identified as medical accidents, but the insurance company still compensates for related medical errors, and the compensation standard is 3,000 yuan per piece. "The downside," Dean Xie said, "is that the amount of compensation proposed by patients is tens of thousands, and 3,000 yuan is far from being solved." Now this hospital is hesitating to renew its insurance: in the past two insurance years, this hospital paid 200,000 premiums and received more than 80,000 compensation. Dean Xie said, "Insurance companies can't actually share a series of troubles faced by hospitals in medical disputes."
According to an insider, most big hospitals in our province hold a wait-and-see attitude towards medical liability insurance, and most of them agree with the mentality of Changfeng County and Feixi County.
The introduction of commercial insurance mechanism is conducive to solving medical disputes.
Abstract: In recent years, contradictions and disputes between doctors and patients are on the rise. In the past, there were many disadvantages in solving "doctor-patient disputes", but it is difficult to do medical accident liability insurance now. Therefore, it is necessary to introduce commercial insurance mechanism in the medical field and implement internationally accepted professional liability insurance for doctors and comprehensive liability insurance for hospitals. The introduction of commercial insurance mechanism can effectively solve some problems in medical disputes. At the same time, we should reasonably guide and solve the difficulties and problems in the process of introducing commercial insurance mechanism.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.