Construction Of Legal System Of Medical Liability Compulsory Insurance

Medical compulsory liability insurance started earlier and developed rapidly in western developed countries.Many countries have successively established medical compulsory liability insurance that match their national conditions.However,China has not yet formed a unified medical compulsory liability insurance and that cannot be applied in the country.And the existing medical compulsory liability insurance gradually exposes the following problems in the process of implementation: firstly,the participation rate of medical liability insurance is low;secondly,the range of policyholders and insurant is too narrow;thirdly,the premium rate and the limit of compensation is unreasonable;fourthly,the rate of insurance claim is not high.These problems have inhibited the development of medical liability insurance.As a result,the function and value of medical liability insurance sharing of medical risks cannot be realized,and it has also hindered the comprehensive development of our medical and health undertakings.Through the analysis of the current situation of the medical liability insurance trial and the related problems,I want to put forward the following suggestions for building the medical compulsory liability insurance in China: firstly,implementing medical compulsory liability insurance should follow the basic concept of unity of duties,rights,benefits,and social benefits;secondly,we need to establish the Regulations on compulsory liability insurance for medical;thirdly,we can expand the scope of the insured and the insurer;fourthly,The state stipulates the premium rate and the limit of compensation;fifthly,the law should provide the right of direct claim for the third party and give the insurer the right to defense,and The state needs to cultivate professionals who can deal with medical compulsory liability insurance.It is hoped that it will be helpful for the construction of medical compulsory liability insurance in China.