通过让医疗保险公司负责来改进医疗事故法。

Improve medical malpractice law by letting health care insurers take charge.

机构信息

Harvard Law School, USA.

出版信息

J Law Med Ethics. 2011 Fall;39(3):539-42. doi: 10.1111/j.1748-720X.2011.00620.x.

DOI:10.1111/j.1748-720X.2011.00620.x

Abstract

This essay discusses unlimited insurance subrogation (UIS) as a means of improving the deterrence and compensation results of medical malpractice law. Under UIS, health care insureds could assign their entire potential medical malpractice claims to their first-party commercial and government insurers. UIS should improve deterrence by establishing first-party insurers as plaintiffs to confront liability insurers on the defense side, leading to more effective prosecution of meritorious claims and reducing meritless and unnecessary litigation. UIS should improve compensation outcomes by converting litigation cost- and risk- laden "tort insurance" into cheaper and enhanced first-party insurance. UIS also promises dynamic benefits through further reforms by contract between the first-party and liability insurers that would take charge of system. No UIS-related costs are apparent that would outweigh these benefits.

摘要

本文探讨了无限保险代位求偿（UIS）作为一种提高医疗事故法威慑力和赔偿效果的手段。根据 UIS，医疗保健被保险人可以将其全部潜在的医疗事故索赔转让给其第一方商业和政府保险公司。UIS 通过将第一方保险公司作为原告，与被告方的责任保险公司对质，从而更有效地起诉有价值的索赔，并减少无价值和不必要的诉讼，从而提高威慑力。UIS 通过将诉讼成本高、风险大的“侵权保险”转化为更便宜、更完善的第一方保险，从而改善赔偿结果。UIS 还通过第一方和责任保险公司之间的合同进一步改革，承诺通过动态效益来管理系统。没有明显的 UIS 相关成本会超过这些好处。