Research On The Development Of Medical Liability Insurance In China

In recent years,medical disputes of China have occurred frequently,these have a negative impact for the healthy development of China’s medical industry and economic society.The medical itself has a high degree of professionalism and risk,medical errors and accidents can not be completely eliminated,the medical accidents caused by physical and mental harm to patients,daily work of medical workers can not be the corresponding protection,it’s not conducive to the progress of medical technology in our country.Insurance is based on risk,and the best remedy for medical risk is insurance,medical liability insurance can cope with China’s increasingly serious medical disputes,it also can strengthen the medical disputes and medical accident management and promote coordinated economic and social development.This article focuses on the perfection of medical liability insurance measures.Medical liability insurance can deal with the problem of medical disputes in China that need to solve urgently and can alleviate the contradiction between doctors and patients,it also can promote the common progress of the medical industry and the insurance industry,but it encounter a lot of obstacles in the process of China’s implementation.Therefore,this paper mainly analyzes the pilot cases of medical liability in three regions of Beijing,Tianjin and Ningbo,through the analysis,it is found that there are still some problems in the development of medical liability insurance,such as the imperfect legal policy,the lack of diversification of insurance products and the low participation of insurance companies.By drawing lessons from the advanced experience of medical liability insurance in the United States,Japan and Germany,this paper puts forward that the process of promoting medical liability insurance should pay attention to the choice of compulsory mode and voluntary mode,should perfect the legal system,should establish the third party dispute handing organization,in order to promote the perfection of China’s medical liability insurance system and promote the harmonious development of our society.