Research On Legal Issues Of Medical Liability Insurance

Medical risk,which is inevitable in the development of medical and health services,has the feature of sociality so that no individual should be the single undertaker of such kind of risk.Vicious conflicts incidents are constantly emerging and social problems are increasingly severe under the lasting confrontation between doctors and patients.The third party of risk resolving system of medical liability insurance can be standardized and improved by the form of institutionalization,which will build a buffer platform for both sides and generate a fair environment for equally negotiating.The huge compensation caused by medical tangle can be dispersed with the help of social capital,and in this way the doctors and patients' economical and mental pressure will be alleviated,which will,to some extent,boost the harmonious and stable development of doctor-patient relationship and promote social harmony,encouraging medical facilities and their stuff to devote themselves to the course of construction and advancement of the medical and health undertakings.Since the last century when the first batch of experimental units were put into effect,medical liability insurance has grown rapidly with the support of government:the insurance coverage has been expanding,the number of policyholder increasing and certain experience accumulated in the process of problems solving,all of which will help to guide this insurance career to further progress.But years-of development are exposing more and more minuses——both demand and supply are few,the phenomenon of insurance moral risk is nothing new,and it is pretty inconvenient for beneficiary to obtain compensation in some circumstances.If the negative momentum in aspect of manipulation is not headed off,the development course will definitely be impacted on in the long run.In this paper,the feasibility of the theory,the development of medical liability insurance,the existing problems are discussed,and combined with the actual situation,some personal opinions about the improvement of medical liability insurance are presented in detail,hoping it could provide reference and support for the standardization of the development of medical liability insurance.