從醫療人員認同度調查探討強制醫療專業責任保險實施之可行性

　　近年我國醫療糾紛層出不窮，保險市場目前雖續有推出醫師或醫院綜合責任保險，惟因限於過失責任賠償基礎，不僅投保率偏低，對病患醫療傷害彌補，亦有緩不濟急之虞。本文簡介強制醫療專業責任保險之相關議題，以及對此險種認同度之調查分析，並評估此險種之可行性，最後就實施之架構提出建議。

關鍵字：醫療糾紛、醫師責任保險、強制醫療專業責任保險
A Study on the Possibility of Establishing
a Compulsory Medical Professional Liability Insurance from
the Investigation of Physicians’ Cognizance
Abstract
Despite the fact that Taiwan’s insurance market currently provides medical liability insurance policies and hospital comprehensive liability insurance policies, then medical disputes still frequently occur. Since the basis for claims against these policies is limited to negligence liability, these policies are also frequently fraught with problems such as low insured ratio and slow compensation. The purpose of this paper is to explore past-and currently ongoing medical disputes and the practice of compensation operations in major countries of the world. It also deals with questionnaires that tend to investigate the cognizance of medical personnel in dealing with compulsory medical professional liability insurance. Finally, it analyzes the feasibility of this insurance and offers some suggestions for creating an insurance framework.

Keywords: medical disputes, medical liability insurance, compulsory medical professional liability insurance