泸州市实施强制医疗责任保险制度的思考*

摘要

In this paper, by adopting the combination of quantitative and qualitative methods, the author tends to make a survey of medical staff's attitudes and opinions of medical liability insurance system and the re-lated issues in Luzhou city. According to the survey, the major influential factors to the implementation of this system are: the low level of medical staff's understanding of the medical liability insurance system, the imperfec-tion of government's policies and regulations, insufficient financial support, and unreasonable schemes of the in-surance companies. Based on the survey, the author puts forward the following suggestions to implement compul-sory medical liability insurance system reasonably in Luzhou city:increasing the popularity of medical liability in-surance knowledge to raise insurance awareness; improving insurance clauses, increasing the insurance types, and expanding the guarantee scope of the insurance institutions; insurance companies' setting up reasonable premium, expanding the compensation limit, and improving efficiency;strengthening the cultivation of talents in this profes-sion;setting up a neutral appraisal of mediation, etc..%本文采用定量与定性相结合的方法，调查泸州市医务人员对医疗责任保险制度相关问题的态度与意见。调查结果显示，医务人员对医疗责任保险制度的认识程度偏低、政府的政策与法规不完善、资金支持不足及保险公司方案不合理是影响该制度推行的主要原因。在此基础上，提出泸州市合理实施强制医疗责任保险制度的建议，包括加大医疗责任保险知识的普及程度，提高保险意识；完善保险机构的保险条款，增加可投保险险种，扩大保障范围；保险公司设置合理保费，扩大赔偿的限额，提高办事效率；加大对相关专业人才的培养；建立中立的鉴定调解机构，等等。