Publication: Mesleki sorumluluk sigortalarından hekim mesleki sorumluluğunun Türkiye’deki ve AB’deki uygulamalarının karşılaştırmalı olarak incelenmesi
Abstract
Geniş meslek grupları için ve bunların çeşitli sorumlulukları için değişik özelliklere sahip ürünler ve hizmetler sigorta sektörü tarafından profesyonel meslek sahiplerine sunulmaktadır. Sorumluluk sigortaları çok geniş bir yelpazeye sahip olduğundan ve bu çalışmanın bir sınırı olması gerektiğinden çalışmada hekim mesleki sorumluluk sigortası işlenmiştir. Çalışmanın amacı Türkiye’de yeni uygulanmaya başlayan hekim mesleki sorumluluk sigortası alanında Türkiye’deki mevcut sistem ve sorunları ile AB’deki mevcut sistem ve sorunlarının açıklanmasıdır. Hekim mesleki sorumluluk sigortası, hekimler ve diğer sağlık görevlileri için mesleklerini icra ederken mesleki faaliyetleri sonucunda hastalarına verebilecekleri zararların tazmini aşamasında kendi ekonomik durumlarında ortaya çıkabilecek sorunların giderilmesidir. Ancak ilerleyen zamanla birlikte tıbbi hizmet sunan kişi ve kuruluşlara karşı yöneltilen dava ve tazminat talepleri çok artmıştır. Bunun etkisiyle primlerde yükselmektedir. Sigorta sektöründeki olumsuz koşullar ABD’de pek çok sigorta şirketinin bu sektörden çekilmesine yol açmıştır. AB’ne üye ülkelerde de ABD’dekine benzer problemler oluşmaktadır. Krizli durumlardan kurtulabilmek için hukuk sistemlerinde ve sigorta sistemlerinde reformlar yapmaya ihtiyaç duymaktadırlar. Hekim mesleki sorumluluk sigortalarının yasalarda ilgili çalışmalar yapılmadan uygulanmaya çalışılması pek çok soruna yol açacaktır. Bundan dolayı bu sigorta türleri istenilen verimlilik ve etkinlikte çalışamayabilir. Sistem oluşturulurken hukuki önlemler alınmalı ve gerekli düzenlemeler yapılmalıdır.
Products and services with varying specifications for a wide scale of professions and their liabilities are being presented by insurance industry to business keepers. Since liability insurance have a large spectrum of topics and this dissertation has to have a specialty, the topic of this research has been set as medical malpractice liability insurance. The aim of this research is an investigation on medical malpractice liability insurance which has recently been applied in Turkey, is to observe the existing system and its problems in Turkey and in EU (European Union). The medical malpractice liability insurance is to confrontation of the economic damages of a physician or health care provider while paying the compensations due to the malpractices they execute while performing a professional service. Medical malpractice liability insurance system is the primary funding mechanism for defending medical malpractice claims and indemnifying successful negligence lawsuits. However, the number of malpractice claims has recently been incrementing and the size of awards has grown even more rapidly. With the effects of these reasons medical malpractice premium has increased. Because of these unfavorable conditions many liability insurers has been quitting writing new and existing medical malpractice liability insurance policies in USA. The member countries of EU have some problems about medical liability system and its insurance, like USA. They rapidly need reforms which are about tort law and insurance system. Without having been made the necessary changes in code of laws, the application of the medical malpractice liability insurance will cause of a lot of problems. Because of this, liability insurances will not catch the expected efficiency and effectiveness. While the system is being set up the legal prevention and necessary systematic construction should be constructed.
Products and services with varying specifications for a wide scale of professions and their liabilities are being presented by insurance industry to business keepers. Since liability insurance have a large spectrum of topics and this dissertation has to have a specialty, the topic of this research has been set as medical malpractice liability insurance. The aim of this research is an investigation on medical malpractice liability insurance which has recently been applied in Turkey, is to observe the existing system and its problems in Turkey and in EU (European Union). The medical malpractice liability insurance is to confrontation of the economic damages of a physician or health care provider while paying the compensations due to the malpractices they execute while performing a professional service. Medical malpractice liability insurance system is the primary funding mechanism for defending medical malpractice claims and indemnifying successful negligence lawsuits. However, the number of malpractice claims has recently been incrementing and the size of awards has grown even more rapidly. With the effects of these reasons medical malpractice premium has increased. Because of these unfavorable conditions many liability insurers has been quitting writing new and existing medical malpractice liability insurance policies in USA. The member countries of EU have some problems about medical liability system and its insurance, like USA. They rapidly need reforms which are about tort law and insurance system. Without having been made the necessary changes in code of laws, the application of the medical malpractice liability insurance will cause of a lot of problems. Because of this, liability insurances will not catch the expected efficiency and effectiveness. While the system is being set up the legal prevention and necessary systematic construction should be constructed.