社会通货膨胀和医疗保健风险管理
Sue Boisvert1, Jim Lynch2, David Moore3
1The Doctors Company, Napa, California, USA.
概括
社会通货膨胀,保险索赔成本的上升超出了一般通货膨胀,显著影响医疗失误保险. 它增加了数十亿美元的损失,强调了它对医疗保健风险管理者的重要性.
科学领域:
- 医疗错误医疗保险 医疗错误医疗保险
- 医疗保健风险管理 医疗保健风险管理
- 保险 精算 科学 保险 精算 科学
背景情况:
- 社会通货膨胀被定义为保险索赔成本的增长超过了一般通货膨胀.
- 这种现象对医疗机构及其风险管理策略带来了越来越大的关注.
- 了解社会通货膨胀对于医疗保健部门准确的财务预测至关重要.
研究的目的:
- 量化社会通货膨胀对医疗疏忽保险索赔的影响.
- 分析十年社会通货膨胀的趋势.
- 为医疗保健风险管理人员提供有关评估和减轻社会通货膨胀风险的见解.
主要方法:
- 利用保险公司年度报表中的综合数据.
- 纳入来自国家不当行为报告数据库的数据.
- 通过分析损失发展因素的趋势,估计了社会通货膨胀的影响.
主要成果:
- 社会通货膨胀在2021年结束的十年中,估计增加了24亿至35亿美元的损失.
- 这代表了总损失的很大一部分,从8%到11%不等.
- 对损失发展因素的分析表明,社会通货膨胀导致的持续增长模式.
结论:
- 社会通货膨胀是一个可量化的因素,显著影响医疗失误索赔成本.
- 医疗风险管理者应将社会通货膨胀纳入其风险评估框架.
- 积极的监测和战略规划对于管理社会通货膨胀的财务影响至关重要.
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