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本研究提供的证据证明拥有医生的保险公司在检查和制止失责行为中起重要的作用。对拥有医生的保险公司调查结果表明,在94%的公司中,他们的医生参加一项或多项的保险。约有60%的公司,他们的成员参加被指控医生的业务能力评定,并就其能否继续接受保险和保险的条件向保险业者提出意见。在1985年,在拥有医生的保险公司中,总共有0.66%的医生因为发现具有失职倾向行为而被终止他们的保险或被迫放弃他们的保险金。另有0.7%的投保人的业务范围受到了限制,或受到其他医疗上的制裁,1.8%的人受到附加罚款和扣除保险金,因此,它能使3.2%参加保险而被认为其业务在某一方面低于标准的医生受到惩戒。这些结果表明,拥有医生的保险公司在确认具有失职倾向行为方面是有效的动因,并提示这些公司有制止低于标准的业务能力方面也起着重要的作用。
The evidence provided by this study proves that an insurance company with a doctor plays an important role in checking and stopping the default behavior. The survey of insurance companies that have doctors shows that in 94% of companies, their doctors participate in one or more insurance policies. About 60% of companies, their members participate in the assessment of the business capabilities of the alleged doctors, and advise the insurer on their ability to continue accepting insurance and insurance conditions. In 1985, a total of 0.66% of doctors in insurance companies with doctors were terminated their insurance or were forced to relinquish their benefits because they found that they had a lapse of duty. Another 0.7% of the insured’s business is restricted or subject to other medical sanctions, and 1.8% are subject to additional fines and deductible insurance, so that it can make 3.2% participate in insurance and is considered to be in a business On the one hand, doctors below the standard are disciplined. These results indicate that insurers with doctors are effective motivators in recognizing behaviors with negligent tendencies, and they also suggest that these companies have an important role in stopping sub-standard business capabilities.