Research On Physician Liability Insurance System In China

With the growing number of medical disputes, conflicts between doctors and patients continued intense situation, our urgent need to introduce the relevant physician liability insurance to resolve medical disputes, passed medical risks physician. Compared with Western countries, the physician liability insurance system in China started late, development is not perfect, there is no rich theoretical foundation, but also a lack of practical experience. Physicians carry liability insurance should first clearly define the concept of the insured and scope, depending on the concept and scope of liability insurance can be divided into two kinds of physician liability insurance liability insurance and medical institutions, this division will benefit insurance companies related businesses, so as to better promote the establishment of physician liability insurance system faster. At the same time also need to strengthen the supervision of the government, in the construction of a physician liability insurance mechanism in the process, the government should provide for the doctor-patient relationship and game channels positive policy.In order to carry out the medical liability insurance, firstly, the insured person needs to be defined,distinguishing the physician’s liability insurance and medical institution liability insurance is necessary for the insured person. It is convenient for the insurance company to carry out their targeted business. In addition, the contract of the medical liability insurance is the nucleus of the medical liability. We’ll discuss the problems of the legal relationship main body in insurance contract, the scope of responsibility, premium set, etc. Define the concept of the medical liability insurance strictly. It’s believed that the trainees, interns or the persons who are working at related fields should be categorized within the insured. The basic premium should be determined by the increase- decrease method, according to the degree of risks of separate departments, the rate of premium can be changed flexibly, which will make the physician’s liability insurance contract more practical. Theoretically, it can make the physician’s liability insurance richer and more colorful.Last but not least, According to the present situation of our country’s health care system and physician’s liability insurance, it’s essential to establish mandatory physician’s liability insurance. During the process, the commercial mechanism should be introduced to broaden the invest channels. At the same time, the government should clear the role of coordinating among departments, and improve the various complementary measures.