Operation Mode And Mechanism Optimization Of Medical Liability Insurance In Shanxi Province

It is necessary to first solve the contradictions between the growing needs of the people and the uneven and inadequate development of the people’s growing and better life,without forgetting the initial heart,to bear in mind the mission and to make a decisive success in building a well-off society in an all-round way.The current operation of medical liability insurance in Shanxi has played a positive role in resolving medical risks and easing the contradiction between doctors and patients,but the problems of uneven and inadequate development have also been revealed.In recent years,with the increase of people’s awareness of rights protection,medical disputes have been increasing rapidly,which has become a prominent problem affecting social stability.Medical liability insurance can play a positive role in resolving medical contradictions,easing the relationship between doctors and patients,and strengthening medical management.However,because it is still in its initial stage in China,the attention of all parties is insufficient and the development is not very mature.Through the investigation of the current situation of medical liability insurance in resolving medical disputes in China and the operation situation of Shanxi Province,this paper finds that the insurance is in the establishment of risk sharing,incentive and restraint mechanisms,and the construction of a harmonious relationship,and to ensure the role of the legitimate rights and interests of all social parties can not be fully reflected.As far as the product itself is concerned,the insurance company is short of the basic data and can not determine the premium accurately and reasonably through the "law of large numbers",and the scope of the guarantee is relatively small and the responsibility is not comprehensive enough to fully reflect the principle of compensation for the loss of insurance.From the follow-up service,the cumbersome claim settlement procedure and slow treatment time seriously affect the whole society’s cognition of medical liability insurance.From the level of the insurance subject,the product itself can not fully meet the complex situation of the treatment of the current medical disputes,which leads to the poor willingness of the main body to be insured,and the low economic benefit is a serious blow to the enthusiasm of the supplier to optimize the insurance.Besides,some intermediaries disrupt the market for their own interests,which are the specific reasons that restrict the healthy development of medical liability insurance.In view of the problems that have been combed in the investigation,in line with the principle of theory and practice,we should begin with the product itself,follow the principle of loss compensation to formulate reasonable premium determination methods,and expand the scope of responsibility for the product on the basis of the basic guarantee function,and improve the identity of the product.Secondly,we should strengthen the regulation and control of public health management,optimize the mechanism of dispute settlement,compensate for losses and improve service satisfaction.At the same time,we should give full play to the service role of the third party organizations,improve and improve the application effect of the medical liability insurance in Shanxi Province,so as to play a more active role in the harmonious and healthy development of the society.