無過失醫療意外保險商品可行性研究－現行醫師業務責任保險商品之啟示

Research on Feasibility of No-Fault Medical Accidents Insurance-The Revelation of Current Medical Business Liability Insurance

謝紹芬(Shawn-Fen Hsieh)

無過失醫療意外保險 ； 醫師業務責任保險 ； 醫療風險社會化 ； No-Fault Medical Accidents Insurance ； Medical Business Liability Insurance ； Socialization of medical risk

保險經營與制度

12卷2期（2013 / 09 / 01）

129 - 158

繁體中文

面對當下醫療行為所產生錯綜複雜之醫療糾紛，導致各大醫療院所之內、外、婦、兒、急診等科出現嚴重醫師荒。國內保險市場從50年代起銷售醫師業務責任保險迄今近乎半個世紀，相較於醫師之總人數，其投保率仍然偏低，顯現該商品並不能滿足醫師之需求。鑒於無過失醫療意外保險商品充滿公益性，如能妥善設計，應可使醫師與病患在面臨醫療糾紛時感受到社會之關懷。因此，本文從醫師專業責任保險之特質、現行醫療風險社會化等邏輯，首先評析現行醫師責任保險商品，再概述國外分散醫療風險之制度，並分析醫療意外事故歸責得到之啟示，表述開創無過失醫療意外保險商品之思維，從而論證開發該商品之可行性。

Complex medical disputes arise in the face of the moment medical behavior, resulting in major medical centers, a serious shortage of physicians includes outside, women, children, and emergency. Sales medical liability insurance of the domestic insurance market from the 1950s to date almost half a century, but its insurance rate is still low compared to the total number of physicians, revealing this commodity couldn't meet the demands for physician. In view of the no-fault medical accident insurance products, full of public welfare, if properly designed, should enable physicians and patients feel the care of the society in the face of medical malpractice. This thesis from the characteristics of the physicians' professional liability insurance, the existing medical risks socialization logic comment the current medical liability insurance produce, outline foreign dispersed systems of medical risk, analysis of medical accidents the imputation get the revelation, expressions to create a no-fault medical accident insurance product of thinking, and thus demonstrate the feasibility of the development of the commodity.