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山西医疗责任保险被指理赔缓慢 医院院长:怕闹事

2016-06-08 10:47:52   中国新闻网

张海峰称,毕建忠案的整个处置过程由山西省第三方医调委、江泰保险经纪股份有限公司太原分公司(涉事医院的保险代理人)、保险公司、医学专家、法律顾问等各方参与,其中最后形成的《医疗责任保险事故鉴定经纪赔偿表决纪要》,各方参与人员均已签字确认。此后,赔偿资料于2016年3月递交至保险公司,但至今没有回音。

“这个过程其实是十分艰难的,调解员多次赴毕建忠老家,从法理、人情等多个角度向家属解释,不断协调和沟通。”张海峰说,“但如果赔偿金到不了位,那我们之前的所有工作相当于白做了,更有引起二次纠纷的可能性。”

令人惊讶的是,记者在采访过程中发现没有得到及时赔付的不止毕建忠一家。据江泰保险经纪股份有限公司太原分公司向相关部门递交的一份情况报告显示,截至4月底,有100余起案件没有得到及时处理,其中包括诉讼案件和调解案件,涉及理赔金额970余万元。

江泰保险经纪公司太原分公司副总经理高青岩表示,2015年10月23日,山西省卫计委和山西省保监局曾召集山西省第三方医调委、山西省医疗责任保险“共保体”各家保险公司及经纪公司召开专门会议,其中达成的意见明确,山西省医疗责任保险领导组选定江泰保险经纪公司为该项工作的保险经纪公司,通过招标及竞争性谈判的方式选择四家保险公司组成共保体。在医疗纠纷案件处理中,由保险公司工作人员参加山西省第三方医调委组织的医疗责任保险事故鉴定会,现场形成保险赔偿决定,并按协议规定完成理赔工作。

“2016年1月,我们也将相关情况向山西省保监局做了专题报告,山西省保监局又召集各方开了专门协调会,但无实质性进展。”高青岩说。

张海峰对此表示担忧,他坦言,从患者角度讲,长期拿不到赔偿金有可能耽误后期治疗,也有可能导致二次医疗纠纷;对于医院来说,也对医疗责任保险甚至是对人民调解工作失去信心,容易引起质疑。对这项政策的推广也产生很大影响。

保险公司:审核要加快分摊成难题

面对质疑,中国人民财产保险股份有限公司山西省分公司责任信用事业部负责人梁宏接受记者采访时说,之前山西省医疗责任保险共保体由人保财险山西省分公司、中国太平洋财产保险股份有限公司山西省分公司、中国大地财产保险股份有限公司山西省分公司、天安保险股份有限公司山西省分公司等四家保险公司组成,其中人保财险山西省分公司以70%的承保份额为本项目首席承保人。根据协议,各家保险公司按照各自份额承担保险责任,对投保人和被保险人承担连带赔偿责任。

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