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所谓医疗责任保险,就是指医疗机构及其医务人员,因为过失行为、错误或疏漏或业务错失,违反其业务上应尽的责任,直接导致病人身体伤害或死亡,依法应承担的赔偿责任为保险标的的责任保险。西方称之为医疗过失责任保险,是责任保险史上最为现代的一个险种。随着我国医疗改革的不断深入,我国的医疗赔偿诉讼越来越多,赔偿额也越来越高,医疗机构的医疗风险也在与日俱增。目前在我国的不同地域内,适用的是多元化的医疗责任保险模式。
The so-called medical liability insurance refers to the medical institutions and their medical staff because of negligent acts, errors or omissions or business mistakes, in violation of their business responsibilities, a direct result of bodily injury or death of patients, according to the law should bear the liability for insurance The subject of liability insurance. Western called medical liability liability insurance, liability insurance is the history of the most modern one. With the continuous deepening of medical reform in our country, there are more and more medical claims in our country, the compensation amount is getting higher and higher, and the medical risks of medical institutions are also increasing day by day. Currently in different regions of our country, a diversified medical liability insurance model is applicable.