The Discussion Of China Medical Liability Insurance Model

Since the late 1990s of 20th century, in the medical liability insurance market, there has been insufficient effective demand, Environmental problems such as infrastructure. Therefore, how to nurture our medical liability insurance market is the key problem we are facing. The training of medical liability insurance market should include two aspects: How to build related infrastructure optimization of the medical liability insurance market and how to choose suitable insurance model for China's national conditions and characteristics. Both interaction and impact of the medical liability insurance market constitutes the main content of training.Medical liability insurance models mainly include organizational models and implementation models. Organizational model refers to the mechanisms used to provide medical liability insurance. Taking a panoramic view of the world, medical liability insurance organization model includes three styles: commercial insurance model, Mutual Insurance model and the social insurance model. The three models have merits and demerits of focus. Different organizational model reflects the national economic system, health system and the development of the insurance industry; implementation of the model means that the government has to adopt a mandatory or voluntary of medical liability insurance are implemented. Directly, the medical liability insurance resolves occupational risk of tort liability for physicians or hospitals. Indirectly, it protects the right of victims of medical negligence.Therefore, medical liability insurance has the attribute of public products. Many countries have adopted the mandatory implementation model. This will help the quasi-public goods external influence and improve the overall social welfare.Currently, the commercial insurance organization and voluntary implementation of the medical liability insurance is used .This choice is a reasonable choice in the development of the insurance industry environment. In the late 1990s of 20th century, the development of the insurance industry in China is relatively backward. In order to expand the market, the insurance companies start to provide medical liability insurance. Initially these medical liability insurance was provided by commercial insurance companies and had a low insured rate. Insurance companies are unable to provide effective risk technology transfer. So the medical liability insurance has not been rapid development. In recent years, medical liability risks being widely and more sober understanding of the concerns, many scholars have begun to think seriously about the medical liability insurance and in-depth analysis of the traditional patterns of defects and deficiencies, trying to find a model that suits the actual conditions of China's medical liability insurance and fundamentally overcome the constraints of the medical liability insurance market cultivation affected .The researches of some scholars on the development of the current medical liability insurance environmental analysis, model analysis are an important frame of reference and reference value. In this paper, the scholars sort out the relevant research results based on the basic principles of economics and insurance studies.Discussion below, I primarily use a risk management analysis, insurance analysis, marketing analysis and system analysis method, empirical analysis and standard analysis of the combined research methods. From the ideas, the paper acts as a starting point for health care, according to the basic principles of risk management. Then the medical liability insurance for foreign and domestic models are compared. Finally the model proposed to adopt commercial insurance model combined with the Fund's organizational model and compulsory insurance implementation model.The main content of this paper is divided into five parts. Part one: Introduction. This part states the purpose and significance of the papers, research methods, analytical framework and the logic structure in the paper. Part two: Analysis of the general problem of medical liability insurance. As the logical starting point of the whole paper, it expresses the features and definition analysis of medical liability insurance. Part three: Comparative analysis of the medical liability insurance model. It introduces the current model of medical liability insurance and implementation of the various organizations, carries out a comparative analysis of systemic disadvantage, the United States, Britain and Sweden medical liability insurance model. Part four: Mode Selection of medical liability insurance. As an important component part of this thesis, writer try thinking and exploring china medical liability insurance model according to China's national environment. Part five: My mode of medical liability insurance market cultivation. In the part, the author tries to analysis the relationship of nurture and model.There are three main theories explored in this paper. First, deep-level research the environment for the development of our medical liability insurance. In previous scholars on the development of medical liability insurance against environmental factors majority of both legal and social environment face. In this paper the structure of the innovation in the public health system, an analysis of the medical liability insurance market cultivation. For example, many scholars agree with the help of medical insurance model of Europe and the United States cited the implementation of the medical liability insurance organizations, but they neglected the difference of public health system in China and Europe and the United States there is a big difference between them. Secondly, expressing personal view of the mode suited to China's national conditions in the medical liability insurance. Now in Shenzhen City, the commercial insurance model combined with the Fund's organizational model and compulsory implementation model have a significant results. This pattern is conducive to promoting the development of commercial medical liability insurance market, standardizing the behaviors of doctors and medical institutions, safeguarding the economic interests of victims of medical blunders. Therefore, the authors advocate the use of our medical liability insurance model.