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    題名: 醫事人員強制責任保險制度之研究
    作者: 高添富;林建智
    Kao, Tien-Fu;Lin, Jan-Juy
    貢獻者: 風管系
    關鍵詞: 責任;保險;醫事人員;業務過失;強制保險;Liability;Insurance;Medical Practitioner;Malpractice;Compul-sory Insurance
    日期: 2009-08
    上傳時間: 2014-03-12 16:02:23 (UTC+8)
    摘要: 近來醫療糾紛頻傳，半多以訴訟為解決機制。然訴訟過程耗費時間精力甚鉅，不僅無法讓病患得到及時填補，醫事人員與醫療機構亦疲於應訴，以致常有防禦性醫療，導致醫病關係惡化。為保障醫療受害人之權益，改善醫療環境與品質，遂有醫事人員強制責任保險之推動。本研究比較他國成例，以法社會學研究方法調查各界對醫事人員責任保險之看法，並就實務運作現況，分析其制度可行性，最後提出制度規劃之芻議，作為相關單位之參考。為有效解決醫療糾紛，本研究提出三階層保障之制度設計：第一層為事故補償，以醫事人員強制責任保險為主軸，輔以醫療事故特別補償基金；第二層為風險救濟，針對醫療不幸與醫療意外，由國家或社會負責救濟；第三層損害賠償，要求有業務過失之醫師應負終局的損害賠償責任。
    Disputes of medical malpractice have increased remarkably in recent years. Most people resort to litigation which costs much time, labor and expense. Not only are innocent patients una-ble to be indemnified promptly, but medical practitioners also suf-fer mentally and physically in the process. Eventually many medical practitioners undertake a protective approach to operating and the physician-patient relationship deteriorates. To protect the basic rights of patients and improve the quality and environment of medical practice, it has been proposed that compulsory liability insurance for this regard should be put in place. In making comparisons with other advanced models and em-ploying the method of legal sociology, this study explored the different viewpoints of insurance, surveyed the market practice, ana-lyzed its feasibility and proposed a system design to the competent au-thorities and related organizations. To efficiently solve dilemmas in medical disputes, this study proposes a threetier protection mechanism. The first tier pro-vides compensation for most medical incidents, with liability insurance coverage and a compensation fund. As for the second tier, the government or special institutions need to render so-cial risk relief when patients suffer due to medical mishaps or accidents. Finally, civil damages are to be rendered to patients to be paid by medical practitioners if any malpractice or negligence can be proved.
    關聯: 政大法學評論, 110, 53-114
    資料類型: article
    顯示於類別:[風險管理與保險學系] 期刊論文

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