臺灣醫師業務責任保險現況探討【全球瞭望】 試閱
A Study of the Medical Liability Insurance in Taiwan
臺灣社會環境因歷史因素,醫師社會地位崇高且專業亦備受信賴,醫病關係長期良好。然近年因消費者意識抬頭,輔以媒體推波助瀾,臺灣漸漸成為醫療糾紛頻繁國家,醫師執業之訴訟風險也因而大增。
The number of medical liability insurance in Taiwan is not sufficient. Not only the insurers have difficulty in assessing the legal risk in medical disputes, but also the physicians are not willing to use the medical liability insurance. It has been a tough question that how to diversify the risk of huge number damages, and that how to lessen the burden on the hospitals and physicians.
However, the medical liability insurance still play a role in stabling the medical system in Taiwan. For one hand, the medical liability insurance can relieve the physicians from the psychological and economical pressure of medical suits. For the other hand, the insurance company, which is with much more profession and experience in dealing with medical disputes, can integrate the legal and medical resource together to resolve the medical disputes more efficiently and properly. As a result, the medical liability insurance can lessen the amounts of medical suits, and cannot be replaced by other legal or social systems in Taiwan.
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