PROFESSIONAL LIABILITY INSURANCE AND INCREASED CIVIL PROTECTION OF MEDICAL STAFF
DOI:
https://doi.org/10.29121/granthaalayah.v10.i1.2022.4350Keywords:
Complaint, Failure, Liability Insurance, Civil Liability, Medical StaffAbstract [English]
Compensation for injuries caused by medical accidents is one of the main branches of insurance under the title of doctors' civil liability insurance. In the present article, we have decided to collect information on the income and expenses of doctors' professional liability insurances to obtain a community view of the coverage of this insurance and to explain the advantages and disadvantages of stakeholders and to propose practical solutions to expand coverage and increase insurance coverage.
In this study, information was collected from the Forensic Medicine Organization of Tehran Province about the amount of complaints and convictions of the medical staff in 1396 by a counting method in a researcher-made checklist and the amount of ransom that various medical professionals were required to pay in 1396 was estimated. Quality was calculated based on percentage and frequency and quantitative information was calculated based on mean and standard deviation.
Out of 4079 complaints, 3343 (52.5%) were acquitted and 1731 (425%) were convicted. The highest number of convictions was related to general surgery, general practitioners and dentists and the lowest convictions were related to traditional medicine, poisoning, nursing and pathology. Complaints from female patients were 2430 cases (59.6%) and the rate of men complaints over time was 3076 cases (75.5%). Between the two groups of medical staff who were required to pay ransom to patients and the group who were not negligent. There was no statistically significant difference in terms of gender. The highest amount of negligence was related to the complaints convicted in the Plastic Surgery Commission in the amount of 924,900,000 Tomans (Iranian currency) and the lowest amount of negligence was related to the complaints condemned in the Traditional Medicine Commission in the amount of 35,700,000 Tomans. Considering the approximate number of 630/269 staff members and considering that if the insurer has spent on average 375/743 Tomans for each limited liability insurance, a significant figure of 250/839/705/200 can be calculated.
As a result, the obligation to insure medical staff requires a determinative. Therefore it is appropriate for the Medical System organization, as the custodian and pioneer of supporting and providing services to the medical staff, to take action in this regard and to achieve this coverage.
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