US EUROPE AFRICA ASIA 中文
    China / Society

    New surgery insurance finds few takers

    By Wang Qingyun (China Daily) Updated: 2014-04-14 07:11

    Few people are choosing to take part in a new surgical insurance program that is designed to reduce medical disputes.

    Beijing's You'an Hospital and Anzhen Hospital said they have seen fewer patients than expected get the insurance and more time is necessary for the plan to work.

    The two hospitals are among several in the city that have introduced the surgical accident insurance programs.

    This insurance is different from the medical liability insurance program that all State-owned nonprofit hospitals in Beijing were asked to join. The medical liability insurance pays only in the event of unsatisfactory results caused by medical malpractice.

    But hospitals found they are involved in an increasing number of medical disputes in which hospitals and doctors didn't do anything wrong during the treatment, yet patients still died due to surgical complications.

    In such disputes, patients won't get compensation from the medical liability insurance. The surgical accident insurance program was introduced to serve as a "comfort" to these patients and their families by paying them a certain amount of money, said Yang Yu, director of the patient-doctor relationship office of You'an Hospital.

    Since You'an Hospital launched the insurance program in January, about 90 patients - 10 percent of those who qualify - have bought the insurance, Yang said.

    The 90 patients paid insurance premiums of more than 50,000 yuan ($8,000), and two patients' families have been paid 13,000 yuan, Yang said.

    But the insurance program has not been widely accepted by patients, Yang said.

    "Some patients underestimate the risks of surgery. Some don't want to pay extra. And some don't find the compensation attractive," Yang said.

    "It will take time before the number of purchasers increases, thus lowering the price of the insurance and enhancing the amount of compensation."

    Xu Xuemin, director of Anzhen Hospital's department of social work, an office that oversees the hospital's medical disputes, said only a small percentage of patients have purchased the insurance since it was introduced at the heart surgery department in November.

    Of those, many were challenging cases, increasing the likelihood of compensation payouts and lessening the profits for the insurance companies.

    Xu said he is trying to make the insurance available to patients in "less risky" departments to keep the program going.

    Li Zhiyuan, assistant director of Fuwai Hospital, the first hospital in the city to design an insurance plan that covers surgical risks other than medical malpractice, said it is "totally understandable" that the number of buyers would be low at first.

    Fuwai Hospital, which specializes in treating cardiovascular disease, designed an insurance plan to cover risks in its heart surgery cases as early as in 2003.

    "When we first launched the insurance, the purchase rate stayed at 10 to 20 percent. It was pretty tough. It took six months before it reached about 80 percent and stayed there," Li said.

    "First, the insurance plans should be designed properly to both solve patients' problems and suit the condition of the hospital. Second, an insurance company needs to prepare for possible losses when people are not aware of the importance of warding off surgical risks. Third, the hospital should let patients know how they can benefit from the insurance through active communication," he said.

    "The death rate of heart surgery cases conducted by Fuwai Hospital has been under 1 percent for seven consecutive years, which ranks among the best, even in the world. But the risk that someone will die in a heart surgery case does exist."

    wangqingyun@chinadaily.com.cn

    Highlights
    Hot Topics
    ...
    无码人妻精品中文字幕免费东京热 | 亚洲日本中文字幕天堂网| 日韩一区二区三区无码影院| 美丽姑娘免费观看在线观看中文版| 久久久久亚洲AV无码专区体验| 欧美日韩国产中文精品字幕自在自线| 国产又爽又黄无码无遮挡在线观看 | 国产亚洲3p无码一区二区| 久久AV无码精品人妻糸列| 亚洲熟妇中文字幕五十中出| 国产免费无码AV片在线观看不卡 | 亚洲va无码手机在线电影| 99高清中文字幕在线| 老子影院午夜精品无码| 国产无遮挡无码视频免费软件| 2014AV天堂无码一区| 日韩亚洲欧美中文高清在线| 中文字幕久精品免费视频| 亚洲Av无码乱码在线观看性色| 成人无码区免费A∨直播| 亚洲精品色午夜无码专区日韩| 无码国产精品一区二区免费| 亚洲一区二区中文| 日韩人妻无码中文字幕视频| 亚洲毛片av日韩av无码| 狠狠精品干练久久久无码中文字幕 | 少妇极品熟妇人妻无码| 成人无码区免费A∨直播| 国产日韩精品中文字无码| 精品无码一区在线观看| 无码国内精品久久人妻蜜桃| 亚洲av永久无码精品网站| 亚洲精品无码MV在线观看| 国内精品人妻无码久久久影院导航| 中文字幕无码久久久| 天堂网www中文天堂在线| 久久五月精品中文字幕| 久久e热在这里只有国产中文精品99| 暖暖日本免费中文字幕| (愛妃視頻)国产无码中文字幕| 国产午夜精品无码|