本文選題：醫(yī)療費(fèi)用保險(xiǎn)競(jìng)合 + 重復(fù)保險(xiǎn)��； 參考：《煙臺(tái)大學(xué)》2017年碩士論文

【摘要】：人們?cè)谏钪谐３Ｍㄟ^(guò)購(gòu)買(mǎi)醫(yī)療費(fèi)用保險(xiǎn)為自身健康提供保障,但是在投保時(shí)往往對(duì)同一損失與多個(gè)保險(xiǎn)人簽訂多份保險(xiǎn)合同以此來(lái)降低損害發(fā)生時(shí)的風(fēng)險(xiǎn),這便造成了實(shí)務(wù)上眾多的醫(yī)療費(fèi)用保險(xiǎn)的競(jìng)合。例如既投保了城鎮(zhèn)居民醫(yī)療保險(xiǎn)又投保了商業(yè)醫(yī)療保險(xiǎn),當(dāng)因意外導(dǎo)致醫(yī)療費(fèi)用賠付問(wèn)題時(shí),兩者都對(duì)其承擔(dān)責(zé)任,如何劃分兩個(gè)保險(xiǎn)人的保險(xiǎn)責(zé)任就成為需要研究的問(wèn)題。因此不僅要對(duì)我國(guó)當(dāng)前關(guān)于醫(yī)療費(fèi)用保險(xiǎn)競(jìng)合的運(yùn)行予以分析,還需要對(duì)國(guó)外的相關(guān)規(guī)定如“約定溢額保險(xiǎn)條款”、“約定不負(fù)責(zé)條款”、“約定比例分?jǐn)倵l款”以及當(dāng)出現(xiàn)相同或不同條款的保險(xiǎn)合同競(jìng)合時(shí)責(zé)任的分配進(jìn)行分析和研究,以便對(duì)我國(guó)責(zé)任分配的處理提供借鑒與參考。最后,結(jié)合我國(guó)國(guó)情和保險(xiǎn)運(yùn)行的現(xiàn)實(shí)情況對(duì)我國(guó)醫(yī)療費(fèi)用保險(xiǎn)競(jìng)合的處理原則和責(zé)任分配提出相關(guān)建議,包括社會(huì)醫(yī)療保險(xiǎn)之間的競(jìng)合、商業(yè)醫(yī)療保險(xiǎn)和社會(huì)醫(yī)療保險(xiǎn)的競(jìng)合以及商業(yè)醫(yī)療保險(xiǎn)之間的競(jìng)合,通過(guò)明確保險(xiǎn)人責(zé)任,對(duì)不同情況下的醫(yī)療費(fèi)用保險(xiǎn)競(jìng)合進(jìn)行責(zé)任分配,以便于出現(xiàn)醫(yī)療費(fèi)用保險(xiǎn)競(jìng)合糾紛時(shí)提供借鑒和參考。
[Abstract]:People often buy medical expense insurance to protect their health in life, but they often sign multiple insurance contracts for the same loss to reduce the risk of damage. This has resulted in a large number of medical expenses insurance in practice. For example, both urban residents' medical insurance and commercial medical insurance are insured. When medical expenses are paid due to accident, both of them are responsible for it. How to divide the insurance liability of two insurers becomes a problem that needs to be studied. Therefore, it is necessary not only to analyze the current operation of medical expense insurance in China, but also to analyze the relevant provisions of foreign countries, such as "agreed overflow insurance clause", "agreed non-liability clause", In order to provide reference for the handling of liability allocation in our country, the "agreed proportional allocation clause" and the distribution of liability when the same or different insurance contract concurs with each other are analyzed and studied. Finally, according to the situation of our country and the reality of insurance operation, the author puts forward some suggestions on the principle and responsibility distribution of medical expense insurance in China, including the concurrence of social medical insurance. The concurrence of commercial medical insurance and social medical insurance, as well as the competition between commercial medical insurance, by clarifying the insurer's liability, to the different cases of medical expenses insurance competing for the distribution of liability, In order to facilitate the emergence of medical expenses insurance disputes to provide reference and reference.
【學(xué)位授予單位】：煙臺(tái)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：D922.284

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