A Feasibility Study On Compulsory Medical Accident Insurance In Guangzhou

Backgroup: Developed country attaches great importance to the medical accident damage compensation,and according to the actual situation of the domestic legislation to make the perfect medical damage compensation system.However,there is no corresponding compensation mechanism to deal with medical accidents at the present stage in China.But,in order to alleviate the contradiction between doctors and patients,timely compensate patients and spread medical accident risks,some of the local cities provide commercial medical accident insurance and medical liability insurance for pilot operations,anesthesia,etc.And a few cities to explore the perfect compensation system,but are restricted by various factors,development is slow.Guangzhou is one of the cities with early pilot medical accident insurance,and there are many problems in the development process,which did not achieve the desired effect.Medical accidents account for a large proportion of medical disputes.As the number of medical disputes in Guangzhou increases year by year,people from all walks of life in Guangzhou are increasingly pressing for mandatory medical accident insurance.This paper intends to introduce the medical accident treatment model in foreign countries and the basic situation of the development of domestic medical accident insurance in China,and draw useful experience.And based on the insurance demand for compensation from the perspective of the patient,in view of that actual situation in Guangzhou and the empirical investigation on the promotion of medical accident insurance by doctors,patients and insurance companies,this paper also discusses the necessity,objective conditions and feasibility of implementing compulsory medical accident insurance system in Guangzhou,and puts forward specific suggestions for the reasonable implementation of compulsory medical accident insurance.Which can functionally complementary with that medical liability insurance,and reasonably protect the legal rights and interests of the doctors and patients.Objective: To understand the compensation system of foreign medical accident damage and the development status of medical accident insurance in China by studying the literature on the medical emergency damage.And to summarize the treatment experience of domestic and foreign medical accidents,analyzes the current situation and deficiency of Guangzhou medical accident insurance,investigates the cognition and attitude of Guangzhou on medical accident insurance,and discusses the feasibility of implementing compulsory medical accident insurance in Guangzhou.Which is expected that medical accident insurance and medical liability insurance will complement each other in function,expand the scope of insurance coverage,increase the amount of compensation,fully relieve and compensate the affected parties,protect the legitimate rights and interests of doctors and patients,and provide new ideas for promoting the healthy development of the doctor-patient relationship in China.Methods:(1)Literature research method and comparative analysis method: we introduce related concepts such as medical damage,medical accidents and medical accident insurance by studying the related literature;consult domestic and international literature research on treatment of medical accidental damages;compare and analyze the characteristics of domestic and foreign processing models and Experience to discuss the necessity and objective conditions of medical accident insurance in Guangzhou.(2)Questionnaire method: Under the guidance of the tutor,after a large number of literature readings,a questionnaire on the attitudes of the doctors and patients on the implementation of compulsory medical accident insurance in Guangzhou was prepared.Final questionnaire revision was made after a preliminary investigation.Ten medical institutions were selected in Guangzhou through intentional sampling,stratified sampling and random sampling.The investigations on medical management personnel,medical personnel andpatients were conducted to obtain relevant empirical analysis data.(3)interview method:semi-structured interview is adopted to obstain the opinions and Suggestions of insurance companies on medical accident insurance.(4)data analysis: using statistical software to analyze the survey results and extract valuable data information to support the research purpose of this project.Results:(1)The study found that there are four representative models for the treatment of accidental injury in foreign countries: Swedish model,NewZealand model,French model and American model.The formation and development of four typical models were based on national health systems,social security system,judicial system,insurance system and social culture.Currently,commercial medical accident insurance mainly deal with domestic medical accidents,whereas the development time is shorter.And the main problems are as follows: No policy support;the medical side is cautious about the insurance;the insurance products and services are unreasonable,the coverage rate is low,the business losses are serious;the patient’s medical idea is wrong,the insurance is insufficient and the insurance payment ability is limited.(2)based on the development of medical accident insurance in Guangzhou,we analyzed the existing problems and discussed the feasibility and necessity of implementing the compulsory medical accident insurance.(3)through the questionnaire survey on medical accident insurance in Guangzhou,we know the degree of cognition of medical accident insurance and the attitude and suggestions for implementation of compulsory medical accident insurance.Conclusions: The compensation system of medical accident damage abroad is made by legislation to make the system compulsory and to ensure the implementation and development of the system.All of them have the participation of insurance and act as a tool for dispersing the risks and effectively compensate the patients.Guangzhou has more than ten years of practical experience in medical accident insurance,combined with theoretical analysis and multiple empirical research results,Guangzhou has the necessity and objective conditions to carry out compulsory medical accident insurance,and it is feasible to implement it.It can realize the “Large Number Rule” of insurance business,improve the risk awareness of patients and insurance rate,timely and effectively compensate the patient’s losses,and support the operation of insurance companies.Medical institutions,medical staff,and patients have a positive attitude towards the implementation of compulsory medical accident insurance,which can disperse the risks of medical accidents and compensate the patients in time.The implementation of compulsory medical accident insurance requires joint efforts of the government,medical institutions,medical personnel,insurance companies and the patients.