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本文讨论了针对药源性损害,在我国开展责任保险相关险种的可能性。分析了药源性损害的内涵和现状,在此基础上,对发展相关责任保险提出了框架性建议,并对保险期限、责任限定、保险金给付等关键问题进行了讨论。认为相关责任保险的开展有利于保障患者权益,促进社会福利,开展过程中还存在一些问题,可以通过政府推动、完善医疗体系、完善数据上报制度、建立药品追溯数据库等加以解决。
This article discusses the possibility of developing liability insurance coverage in China for drug-induced damage. The connotation and current situation of drug-induced damage were analyzed. Based on this, some suggestions were put forward to develop liability-related liability insurance. Key issues such as insurance term, limitation of liability and payment of insurance premium were discussed. It is considered that the development of related liability insurance is conducive to protecting patients’ rights and interests and promoting social welfare. There are still some problems in the process of carrying out the insurance. The government can promote and perfect the medical system, improve the data reporting system and establish a drug traceability database.