Publication: Sigorta sektöründe hekimin mesleki sorumluluk sigortası
Abstract
Mesleki faaliyetlerde bulunan meslek mensuplarının taşıdıkları riskleri güvence altına alan mesleki sorumluluk sigortaları oldukça önem kazanmaktadır. Mesleki sorumluluk sigortaları hızla gelişmekte ve yaygınlaşmaktadır. Türkiye’de 1219 sayılı Tababet ve Şuaba- tı San’atlarının Tarzı İcrasına Dair Kanun ek 12. Maddesinin 30.07.2010 tarihinde yürürlüğe girmesiyle Tıbbi Kötü Uygulamaya İlişkin Sorumluluk Sigortası zorunlu sorumluluk sigortası haline getirilmiştir. Çalışmada, oldukça geniş bir uygulama alanına sahip olan sorumluluk sigortası içinde yer alan “Hekimin Meslekî Sorumluluk Sigortası” konusu incelenmiştir.Çalışmanın birinci bölümünde, genel olarak sigorta sektörü incelenmiş, sigortanın tanımına ve sigorta ile ilgili kavramlara, sigorta türleri, sigorta şirketleri aracılarına ve sigortacılığın temel prensiplerine yer verilmiştir.İkinci bölümünde ise; sorumluluk sigortalarının tanımı yapıldıktan sonra sorumluluğun hukuki kaynağı ve sorumluluk sigortalarının tarihi gelişimi ele alınmıştır. Ayrıca yine bu bölümde sorumluluk sigortalarının özellikleri, çeşitleri, sorumluluk sigortalarında riziko kavramı, rizikonun gerçekleşmesi ve Türkiye’de sorumluluk sigortaları anlatılmıştır.Son bölümde ise mesleki sorumluluk sigortasının tanımı ve kapsamı, mesleki sorumluluk sigortasının tarihi gelişimi, mesleki sorumluluğun türleri ve mesleki sorumluluk sigortasının sigorta türleri içindeki yeri ele alınmıştır. Bölümün diğer yarısında ise; hekimin mesleki sorumluluk sigortası; Avrupa Birliği genelindeki uygulamalar ve Türkiye’deki mesleki sorumluluk sigortasına ilişkin rakamsal değerler ayrıntılı olarak anlatılmaya çalışılmıştır.
Professional liability insurances, which guarantees the risks of professional members in professional activities, become quite important. Professional liability insurances are rapidly developing and become prevalent. Liabilities insurance relative to medical malpractice has become compulsory liability insurance when the annex 12th item of the mode of execution of medicine and medical sciences the law no 1219 entered into force on 30.07.2010 in Turkey. In the study, the “Professional Liability Insurance of Physician” which is included in liability insurance which has a wide application area, has been examined.In the first part of the study, the insurance sector has been examined in general, the definition of the insurance and the concepts related to insurance, types of insurance, intermediaries of insurance companies and basic principles of insurance business have been included.In the second part; after the definition of liability insurance, the legal development of liability and the historical development of liability insurance have been discussed. Also still in this section, the features of liabilty insurance, varieties of liabilty insurance, the concept of risk in liability insurances, realization of the risk and liability insurances in Turkey has been expressed.In the last part, the definition and the scope of professional liability insurance, the historical development of professional liability insurance, the types of professional liability and the place of professional liability insurance in insurance types have been discussed.In the other half of the last part; professional liability insurance of physician; practices across the European Union and the numerical values relating to professional liability insurance in Turkey have been tried to be explained in detail.
Professional liability insurances, which guarantees the risks of professional members in professional activities, become quite important. Professional liability insurances are rapidly developing and become prevalent. Liabilities insurance relative to medical malpractice has become compulsory liability insurance when the annex 12th item of the mode of execution of medicine and medical sciences the law no 1219 entered into force on 30.07.2010 in Turkey. In the study, the “Professional Liability Insurance of Physician” which is included in liability insurance which has a wide application area, has been examined.In the first part of the study, the insurance sector has been examined in general, the definition of the insurance and the concepts related to insurance, types of insurance, intermediaries of insurance companies and basic principles of insurance business have been included.In the second part; after the definition of liability insurance, the legal development of liability and the historical development of liability insurance have been discussed. Also still in this section, the features of liabilty insurance, varieties of liabilty insurance, the concept of risk in liability insurances, realization of the risk and liability insurances in Turkey has been expressed.In the last part, the definition and the scope of professional liability insurance, the historical development of professional liability insurance, the types of professional liability and the place of professional liability insurance in insurance types have been discussed.In the other half of the last part; professional liability insurance of physician; practices across the European Union and the numerical values relating to professional liability insurance in Turkey have been tried to be explained in detail.