Der Gesamtaufwand einer Haftpflichtversicherung für einen einstandspflichtigen medizinischen Schadensfall kann sich mittlerweile leicht auf mehrere Millionen Euro belaufen. Nach Angaben der Arzthaftpflichtversicherer übersteigen die Schadensaufwendungen die Prämieneinnahmen deutlich. Die stark gestiegenen Kosten für Personenschäden und die Sorge um weiterhin überproportional zunehmende Belastungen waren für führende Arzthaftpflichtversicherer Anlass, erhebliche Anpassungen der Versicherungsprämien vorzunehmen.
Insbesondere risikoreiche Fachrichtungen haben seither Schwierigkeiten, die ärztliche Tätigkeit noch zu zumutbaren wirtschaftlichen Bedingungen zu versichern. In den betroffenen Disziplinen könnte diese Entwicklung bereits mittelfristig die adäquate medizinische Versorgung bedrohen. Das vorliegende Werk greift dieses drängende Drawback aus rechtlicher Sicht auf, stellt die Entwicklungen der Arzthaftpflichtversicherung dar, beleuchtet Hintergründe und skizziert Alternativen.
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