摘要介绍了医疗意外险在天津医科大学总医院的探索开展情况,总结了实践中取得的成效,并分析了这其中遇到的问题,如患者风险意识不强,参保比例较低;缺乏规范的业界标准,医务人员信心不足;缺少系统的顶层设计,保险项目规划难度大等.同时,提出了加强正面宣传与引导,营造健康的舆论氛围;完善制度建设,规范行业监管;出台鼓励性政策,健全国家医疗风险分担与补偿机制等建议.

abstractsThis paper introduced the development of medical accident insurance at Tianjin Medical University General Hospital. The author summed up the achievements made in practice and analyzed the problems such as low risk awareness of the patients in their low proportion of insurance risk coverage, lack of normalized industry standards, and lack confidence. Other problems included the lack of top-level design of the system, and high difficulty to plan insurance projects. The paper also recommends to strengthen the positive publicity and guidance, to create a healthy atmosphere of public opinion; to improve the system, standardize the industry supervision;and encourage the introduction of policy proposals, and to perfect the national medical risk sharing and compensation mechanism.