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医疗责任保险中第三人之直接请求权对于全面分散医疗服务提供者的责任风险,直接、迅速与切实地保障患者的权利,节约纠纷处理成本及提高司法效率具有重大价值。但无论从医疗责任保险的立法还是实践观察,我国都未完全赋予第三人之直接请求权,对第三人的利益保护不足,无法有效实现医疗责任保险的社会政策目的。因此,我国应确立第三人对医疗责任保险人的直接请求权,规定第三人对医疗责任保险赔偿金的优先权。同时,对行使直接请求权的主体范围、被保险人与保险人的协助义务、医疗责任保险人可行使之抗辩权等进行完善。
Direct claims of third parties in medical liability insurance are of great value to the direct, prompt and effective protection of patients' rights, saving of disputes and the improvement of judicial efficiency in order to fully disperse the responsibility risks of medical service providers. However, no matter from the legislative or practical observation of medical liability insurance, our country did not fully grant the third party the direct right of claim, the protection of the third party's interest is insufficient, and the social policy of medical liability insurance can not be effectively achieved. Therefore, our country should establish a third person's direct claim on the medical liability insurer, and stipulate the third person's priority over the medical liability insurance compensation. At the same time, it also improves the scope of the subjects who exercise the direct right of claim, the obligation of assistance of the insured and the insurer, and the defenses that the medical liability insurer can exercise.