商业保险助力转化医学的伦理考量

[中图分类号]R-052 [文献标志码]A [文章编号]1001-8565（2025）10-1359-06

DOI：10.12026/j.issn.1001-8565.2025.10.18

Ethical considerations for commercial insurance in assisting translational medicine

FANG Zhengyu1， ZOU Shouchang² （1.Clinical Research Institute， Shenzhen Peking University-Hong Kong University ofScience and Technology Medical Center，Shenzhen 5l8036，China;2.Taiping General Insurance Co.，Ltd.， Shenzhen，China）

Abstract： Promoting the high-quality development of the transformation of medical scientific research results has become an important content and development direction in China's medical science and technology system reform.Various risks involved in medical scientific research need to be fully recognized and prevented， and strengthening science and technology insurance services is one ofthe important ways.Commercial insurance in the fieldof translational medicine in China is ina rapid development stage，and the main insurance products include drug research and development insurance，clinical trial liability insurance，genetic testing insurance，and other insurances.While commercial insurance intervenes in the innovation of medical science and technology， ethical and liability issues often raise concerns and controversies.Combined with the current practices of handling ethical issues related to commercial insurance for translational medicine in China，this paper reviewed the current development status of commercial insurance related to translational medicine from the perspective of the insurance industry，discussed the relevant ethical issues，and proposed coping strategies.

Keywords： commercial insurance；translational medicine；medical scientific research；ethicalconsideration

转化医学概念由美国国立卫生研究院（NationalInstitutesofHealth，NIH）于 2OO3年提出，现已得到国际医学界的认同，成为医学发展的一个重要方面，主要涉及生命医学群体从实验室的研究发现到临床研究再进人临床实践[1-2]。（剩余8223字）