التأمين من المسؤولية المدنية الناتجة عن أضرار لقاح كورونا وفقاً للقانون الفلسطيني
Date
2022-06-04
Authors
دانية جعفر أحمد عايش
Dania Jafar Ahmad Ayesh
Journal Title
Journal ISSN
Volume Title
Publisher
Al-Quds University
Abstract
هدفت الدراسة إلى الوقوف على نظام التأمين من المسؤولية المدنية الناتجة عن أضرار لقاح كورونا وفقاً للقانون الفلسطيني، إذ تناولت من خلال تحليل النصوص القانونية الواردة في قانون التأمين الفلسطيني، والقرار بقانون بشأن الحماية والسلامة الطبية والصحية، والقرار بقانون بشأن تنظيم المنتجات الطبية لمكافحة فايروس كوفيد-19، لما لها من أهمية في ندرة الدراسات حوله كون أنه موضوع جديد لم يتم التطرق اليه سابقاً.
فقد اتبعت الباحثة المهج الوصفي التحليلي لنصوص القانون إذ سعت للإجابة عن اشكالية مدى كفاية عقد التأمين من المسؤولية المدنية في مواجهة الأضرار التي يسببها اللقاح، وقد جاءت الدراسة لتوضح وتعرف بالطبيعة القانونية للمسؤولية المدنية للطبيب، وتعرف بالتأمين من المسؤولية المدنية للأطباء، وتبين التأمين من المسؤولية المدنية في عمليات التطعيم ضد الأوبئة وفقاً للقانون الفلسطيني.
وعليه خلصت الباحثة لعدة نتائج هامة تمثلت بأن المعلومات حول هذا النوع من أنواع التأمين لم يتم التطرق له كثيراً في البلدان العربية والمعلومات التي كانت عنه ضئيلة نوعاً ما، لكون أن نسبة التعويض ستكون كبيرة و الخسائر التي ستتكبدها شركات التأمين ستكون طائلة، وكذلك ووفقاً للقواعد العامة للتأمين يصح للطبيب أن يؤمن من المسؤولية المدنية عن الأخطاء الطبية التي قد تصدر عنه أو أحد تابعيه أو مساعديه أو عن الأجهزة الفنية داخل عيادته وشمول الأخطار الناشئة عنها بالتعويض، كما ويشمل التأمين من المسؤولية المدنية في المجال الطبي أو الصحي الحوادث الناجمة عن الأجهزة والمعدات المستخدمة لعلاج المرضى أو نتيجة اعطائهم اللقاح وكذلك يشمل الأعمال التي تقع من المتمرن، وعلى ضوء ذلك أوصت الباحثة، بضرورة دراسة هذا النوع من الأبحاث، وتكثيف الدراسة حوله كونه موضوع جديد ولم تتطرق له بعد شركات التأمين –لم تغطيه-، و إعداد نظام التأمين الإلزامي للأطباء استناداً للصلاحيات المُسندة إليها بموجب المادة( 6 / 7) من قانون التأمين ودلالة المادة (25) من قانون الحماية والسلامة الطبية والصحية، وتنسيبه لمجلس الوزراء من أجل إصداره أصولاً، بحيث يتضمن النظام المُعَد أحكاماً خاصة لتأمين المسؤولية المدنية للأطباء.
The study aimed to identify the civil liability insurance system resulting from the damages of the Corona vaccine according to the Palestinian law, as it dealt with the analysis of the legal texts contained in the Palestinian Insurance Law, the decision by law on medical and health protection and safety, and the decision by law on the regulation of medical products to combat the Covid virus - 19, because of its importance in the scarcity of studies on it, since it is a new topic that has not been previously addressed. The researcher followed the descriptive, analytical approach to the texts of the law, as it sought to answer the problem of the adequacy of the civil liability insurance contract in the face of the damage caused by the vaccine. In vaccination operations against epidemics, according to Palestinian law. Accordingly, the researcher concluded several important results, which were that the information about this type of insurance has not been mentioned much in the Arab countries and the information about it was rather insignificant because the compensation rate will be large and the losses that insurance companies will incur will be huge, as well as in accordance with the general rules For insurance, it is permissible for the doctor to insure against civil liability for medical errors that may be issued by him, one of his subordinates, assistants, or technical devices within his clinic, and to include the risks arising from them with compensation. Civil liability insurance in the medical or health field also includes accidents caused by devices and equipment used to treat patients or as a result of giving them the vaccine, as well as the work that falls on the trainee, Finally, the researcher recommended, the necessity of studying this type of research, and intensifying the study on it as it is a new topic that has not yet been covered by insurance companies, and the preparation of the compulsory insurance system for doctors based on the powers assigned to it under Article (6/7) of the Insurance Law And the significance of Article (25) of the Law on Medical and Health Protection and Safety, and its nomination to the Council of Ministers to issue it in assets, so that the prepared system includes special provisions to secure civil liability for doctors.
The study aimed to identify the civil liability insurance system resulting from the damages of the Corona vaccine according to the Palestinian law, as it dealt with the analysis of the legal texts contained in the Palestinian Insurance Law, the decision by law on medical and health protection and safety, and the decision by law on the regulation of medical products to combat the Covid virus - 19, because of its importance in the scarcity of studies on it, since it is a new topic that has not been previously addressed. The researcher followed the descriptive, analytical approach to the texts of the law, as it sought to answer the problem of the adequacy of the civil liability insurance contract in the face of the damage caused by the vaccine. In vaccination operations against epidemics, according to Palestinian law. Accordingly, the researcher concluded several important results, which were that the information about this type of insurance has not been mentioned much in the Arab countries and the information about it was rather insignificant because the compensation rate will be large and the losses that insurance companies will incur will be huge, as well as in accordance with the general rules For insurance, it is permissible for the doctor to insure against civil liability for medical errors that may be issued by him, one of his subordinates, assistants, or technical devices within his clinic, and to include the risks arising from them with compensation. Civil liability insurance in the medical or health field also includes accidents caused by devices and equipment used to treat patients or as a result of giving them the vaccine, as well as the work that falls on the trainee, Finally, the researcher recommended, the necessity of studying this type of research, and intensifying the study on it as it is a new topic that has not yet been covered by insurance companies, and the preparation of the compulsory insurance system for doctors based on the powers assigned to it under Article (6/7) of the Insurance Law And the significance of Article (25) of the Law on Medical and Health Protection and Safety, and its nomination to the Council of Ministers to issue it in assets, so that the prepared system includes special provisions to secure civil liability for doctors.
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Citation
عايش، دانية جعفر. (2022). التأمين من المسؤولية المدنية الناتجة عن أضرار لقاح كورونا وفقاً للقانون
الفلسطيني [رسالة ماجستير منشورة، جامعة القدس، فلسطين]. المستودع الرقمي لجامعة القدس. https://arab-
scholars.com/6cc541