中新网太原2月1日电 (范丽芳)1日，患者马祥芸的父母拿到了山西省医调委及保险经纪公司赔偿的10万元现金，成为山西医疗意外保险赔偿金的首例受益者。

Beijing feb. 1, taiyuan (FanLiFang)1,Patients MaXiangYun parents got the shanxi medical adjustable committee and insurance brokerage company compensation of 100000 yuan in cash,Become shanxi medical accident insurance compensation is the first beneficiaries.

　　患者马祥云，女，1岁2个月，出生后第5个月时即发现患有严重的先天性心脏病，患者父母亲放弃了家里的所有事情四处求医。据介绍，患儿父母在农村务农，2012年底，带着从朋友处凑来的几万元钱来到太原，希望通过手术进行根治。

Patients MaXiangYun,female,1-2 months,5 months after birth is found that people with severe congenital heart disease,Patients parents give up all the things around the house doctor away.According to introducing,Parents of children in rural soil,By the end of 2012,Take from his friends gather together to the tens of thousands of yuan came to taiyuan,Hope that through the operation effect a radical cure.

　　入院后，通过的全面检查，医生告知患者父母手术风险较大。夫妻俩经慎重考虑决定还是拼一把。“我们听说有一种手术意外险，我们当时考虑到孩子病情较重，手术风险大，就拿出1000多元买了一份保额为10万元的手术意外保险。”患者父亲称。

After admission,Through the comprehensive inspection,The doctor told the patient parents operation risk is bigger.Both the husband and wife after careful consideration decided spell a."We heard that there is a surgery accident insurance,We were considering a child is heavy,Operation risk big,So he brought out 1000 yuan to buy a coverage for 100000 yuan operation accident insurance."Patients father says.

　　据山西省医调委介绍，手术意外保险是指医院、手术医生和患者三方共同投保，保险责任包含所有因手术意外造成的死亡、残疾和手术并发症，“与医疗责任险相比，这个险种绕开‘医疗责任认定’环节，无论意外是否是医生或医院的责任，投保人都可直接向保险公司申请补偿，加大对患者的保障力度。”

According to the shanxi medical adjustment is introduced,Operation accident insurance is to point to the hospital/Surgery doctors and patients for three party together,Insurance liability include all due to surgery accident cause death/Disability and surgical complications,"Compared with the medical liability insurance,This danger to steer clear of‘Medical responsibility identification’link,No matter whether the accident doctor or the responsibility of the hospital,Policy-holder can be directly to the insurance company for compensation,To increase the security of patients with strength."

　　2012年12月12日，医院进行完全型心内膜垫缺损矫治术，手术进行顺利。但术后第四天患者突然出现肺出血，经抢救无效死亡。

On December 12, 2012,Hospital for complete core intima cushion defect correction technique,Surgery smoothly.But the fourth day patients suddenly appeared pulmonary hemorrhage,After the rescue invalid death.

　　此后，山西省医调委、经纪公司就患者参保的医疗意外保险赔付事项与家属进行沟通，患者家属拿到保险经纪公司赔偿的10万元。

Since then,Shanxi medical adjustable committee/Brokerage company ginseng patients medical accident insurance settlement matters and family communication,Patients family members to get the insurance brokerage company compensation of 100000 yuan.

　　“医患关系紧张的今天，医疗意外保险成为维护医患双方特别是患方利益的一种保障机山西制，医疗意外损害出现后，可弥补患方的损失，给患者家属些许的心里安慰。”省医调委主任韩学军称。

"The doctor-patient relationship nervous today,Medical accident insurance become maintenance doctor-patient both sides, especially with the interests of the party a security machine shanxi system,Medical accident damage appears,Can make up for the loss of a party,Patients with a heart to family comfort."Provincial medical adjustable committee director HanXueJun says.