我国医疗意外保险的不足及完善对策

摘要

我国现行医疗意外险存在诸多不足,借鉴国外医疗损害无过错补偿制度,结合我国实际可做如下完善:通过立法构建强制性医疗意外保险制度;将保费纳入医保统筹;简化理赔流程、提高理赔限额;规范销售渠道.医疗意外险与医疗责任保险互为补充,使患方损失通过保险实现有效的救济补偿,有效缓和当前紧张的医患关系.%There are many deficiencies of the current medical accident insurance in China. Learning from the foreign no - fault compensation system for medical injury,combining with China's reality,it could be done as fol-lows:establishing a mandatory medical accident insurance system through legislation;bringing premiums into health insurance co - ordination;simplifying the claims process and increasing claims quota;standardizing the sales chan-nels. Medical accident insurance and medical liability insurance complement each other,so that the losses of pa-tients achieve effective relief compensation through insurance,effectively easing the tense relationship between doc-tors and patients.