Compensation Methods For Adverse Reactions To Vaccines In The Post-Epidemic Period

Problems in China's immunization programvaccine adverse reaction damage compensation mechanism

1. It is mainly based on governmentfinancial compensation, and the compensation standards vary from province tocity

There is no uniform compensationstandard in the "Vaccine Management Law" for damage compensation foradverse reactions to vaccines in immunization programs, and the compensationstandards vary significantly among provinces and cities. Due to the widecirculation and large coverage of vaccines, there may be a situation of"same damage but different valence" in which abnormal reactions occurwhen the same batch of vaccines are administered in different provinces and cities.

2. The compensation method ismainly one-time compensation, and there is less spiritual compensation

The immunization program vaccine ismainly aimed at the preventive vaccination of children. If this group of peoplesuffers from adverse reactions that lead to disability or mental disorder, thefollow-up treatment costs are characterized by long-term and continuous nature.Compensation methods based on government subsidies are all one-timecompensation methods, which can only solve the short-term difficulties of thevictims and their families and compensate for short-term losses, but cannotguarantee the long-term life of the victims. In addition, most provinces andcities lack compensation for victims' spiritual losses in economiccompensation, such as spiritual comfort funds and spiritual compensation funds.

3. Vaccine production enterprisesmainly rely on compulsory liability insurance, lacking supplementary corporatecommercial insurance

Compulsory liability insurancemainly guarantees the basic production of vaccine manufacturers. In the eventof adverse reactions to vaccines, the amount paid by the compulsory liabilityinsurance insured by the vaccine manufacturer is not sufficient to support thevaccine manufacturer’s compensation for a wide range of public, or thecompensation for adverse reactions to vaccines is not covered by the insurancecompany, and the final vaccine Manufacturing companies may be on the verge ofbankruptcy or bankruptcy.

4. Commercial vaccine insuranceproducts lack targeted protection

For the current situation, personalpurchase of commercial vaccine insurance can transfer more risks anduncertainties, and insurance companies have continued to introducecorresponding types of insurance in recent years. However, because vaccineinsurance is still a niche market in China, there are few types of insurance,and the coverage is not comprehensive. For the basic vaccine-only products, theinsurance amount is relatively low, which cannot well meet the demands of thepublic.

Discussion on compensation methodsfor adverse reactions to vaccines in immunization programs in China

1. Promote the transition fromgovernment financial compensation to insurance compensation

Through the way of governmentpurchase for insurance, will damage compensation from the financialcompensation to the insurance compensation, increase the source of security andprotection level, will be part of the administrative cost and riskdiversification "“externalized" to the insurance industry, governmentdepartments from compensation work, reduce the pressure of the administrative,further promote the change of government functions.

2. Promote the establishment of amulti-level comprehensive compensation system for vaccine productionenterprises

The purchase of compulsory vaccineliability insurance by enterprises can only protect the basic part, but alsorequires enterprises to purchase commercial vaccine insurance. From passivecompulsory insurance of heteronomy to active risk dispersion ofself-discipline, it not only improves the ability of enterprises to resistrisks, enhances the sense of corporate social responsibility, but alsoinsurance It provides a "safety umbrella" for enterprises, which canprompt enterprises to devote more energy to vaccine development.

3. Encourage commercial insurancecompanies to launch targeted products and expand coverage

When commercial insurance companiesinnovate and launch relevant vaccine insurance, considering that adversereactions to vaccines have a certain period of privacy and incubation period,they can appropriately expand the age range of the insured, so that moreteenagers, middle-aged and young people can enjoy vaccine insurance coverage;at the same time Expand and improve the coverage of vaccine insurance, includeincome loss, mental damage, funeral expenses, etc. in the scope ofcompensation, further reduce the economic losses of policyholders and insureds,and improve the commercial insurance compensation system.

4. Increase publicity efforts toimprove public awareness of insurance

For immunization programvaccination, its scale is wide and the population is concentrated, and thepublic needs to be aware of their own risk transfer. Government propaganda,commercial insurance companies to promote relevant vaccine products, andvaccination hospital guidance, etc., allow the public to learn and master moreknowledge about vaccination and adverse reactions, break the public's originalsense of luck, and improve their awareness of protection.