中醫醫療糾紛及其風險管理

Medical Disputes on Chinese Medicine and the Risk Management

陳俞沛(Yu-Pei Chen) ； 林建智(Jan-Juy Lin)

《風險管理學報》 13卷1期 (2011/06) Pp. 73-102

https://doi.org/10.30003/JRM.201106.0004

摘要

中醫醫療糾紛發生頻率逐漸提高，中醫師之風險管理意識與日俱增，醫師業務責任保險遂成中醫師所關切之重點。本研究旨在探討中醫師醫療糾紛處理經驗、風險管理措施及對醫責險之看法，並提出建議。本研究針對全國五千餘位中醫師實施問卷調查，並在北中南三區舉辦座談會，發現如下：（1）中醫醫療糾紛盛行率約為10.2%；（2）解決方式以私下和解居多，而病家非理性抗爭與不熟悉糾紛處理管道乃糾紛處理時之主要困難；（3）醫療糾紛經驗之有無，於風險自我評估、糾紛來源之看法上有顯著差異；（4）中醫師心目中理想之糾紛解決方式，仍以請保險公司及公會協助為主；（5）目前保單內容、服務、專業度與保障限額無法滿足中醫師之實際需求，影響其購買醫責險之意願。

關鍵字

中醫 ； 醫療糾紛 ； 醫師業務責任保險 ； 風險管理

並列摘要

The occurrence frequency of medical disputes in Chinese medicine increases in recent years. The medical risk management gains its importance and the use of physician professional liability insurance becomes a major issue among Chinese physicians. The purpose of this study is to analyze the experiences of medical disputes, risk management and professional liability insurance related to the operation of Chinese physicians. It conducted a questionnaire survey on around five thousand Chinese physicians and held three separate seminars in different regions in Taiwan. Its finding can be observed as follows: (1) The prevalence rate of Chinese medicine dispute is around 10.2%. (2) The dispute solution in most occasions is reconciliation in private. The difficulties for Chinese physicians are the patients' irrational reaction and the non-familiarity with the available resolutions while handling medical disputes. (3) In respect of the self risk assessment and the cause of disputes, it creates a significant difference in whether they have experience of medical malpractice. (4) The ideal resolution expected is that medical disputes can be handled by an insurer or their associations. (5) The coverage, services, professionality and policy limits provided the insurance market can not meet the actual demand of most Chinese physicians. It influences on their willingness to purchase professional liability insurance coverage.

並列關鍵字

Chinese Medicine ； Medical Disputes ； Physician Professional Liability Insurance ； Risk Management

參考文獻

李志峰(2009)。長尾責任─美國責任保險保單形式的演變、爭議及我國責任保險保單之特色。保險專刊。25(1)，97-132。

李志峰(2000)。懲罰性賠償金與保險法律關係之研究。國立中正大學法律學研究所。

汪信君、廖世昌(2006)。保險法理論與實務。台北:元照。

吳志正(2006)。醫療契約之定性。月旦法學雜誌。139，200-214。

吳俊穎、賴惠蓁、陳榮基(2009)。台灣的醫療糾紛狀況。台灣醫學。13(1)，1-7。