Preliminary study regarding risk managements and insurance models for fatal contrast medium allergy
Date Issued
2015
Date
2015
Author(s)
Cheng, Kui-Lin
Abstract
Physicians often require prompt and instant judgments and actions to treat their patients. Nevertheless, if the results or demands are not met by the patients or family, it ended up as a medical dispute. Medical dispute are cost and time consuming and it become the main leading cause for medical students to choose their specialty. The purpose of this study hopes to develop a well and reasonable compensatory mechanism for helping the patients and radiologists who involved in the contrast medium allergy mortality. The incident of contrast medium allergy mortality is rare, (1/100,000 ~2/10 million). However, the cost of life is tremendous for both the patients and radiologists involved. We recommended an insurance model for risk transferring. A beneficiary can claim a total sum of 6 million Yuan in each incidence and a net premium of about 30 million a year are estimated. A foundation for running the insurance issues is suggested. The estimated premiums are 170 Yuan per person if the foundation is run by commission unit or 176 Yuan per person if which is run by independent agency. Our study proposed the premium allocation as Government 50%, medical institutes 25%, drug agency 25% . The settlement of claim will be reviewed by committee members from foundation. Beneficiary eligibility must comply with the civil law regulations.
Subjects
contrast medium allergy
insurance models
medical dispute
Type
thesis