On The Development Of Medical Liability Insurance In China

In recent years,medical accidents and medical disputes have occurred frequently in China.With the gradual increase in medical costs and the continuous improvement of people’s living standards,the amount of compensation involved in medical disputes has further increased.The frequent occurrence of medical accidents is affected by many factors,such as the medical institution’s provision of medical devices,the level of its own medical team,and the complexity of the patient’s own condition.Therefore,as people continue to increase their legal awareness and pay more attention to the protection of their own rights and interests,the frequent occurrence of medical disputes has increased the demand for medical institutions to pass on the risk of medical responsibility.Medical liability insurance frees medical institutions from medical disputes by diversifying medical practice risks.At the same time,it also provides a reliable guarantee for the maintenance of the patients’ own rights and interests,to avoid the impact of factors such as the size of the medical institution,the financial and operating status of the medical institution after the medical accident,and the patient cannot be compensated in time.Therefore,it is beneficial for medical liability insurance to maintain stability for medical parties,patients,insurance companies and even the government.However,the development of medical liability insurance in China still faces many obstacles and the overall development is slow.The purpose of this article is to analyze the current status of China’s medical liability insurance implementation,find the dilemmas it faces in operation,and propose countermeasures and suggestions for the development of China’s medical liability insurance.The article first introduces the concept of medical liability risk,and then introduces the concept of medical liability insurance.Furthermore,the case of medical liability insurance in Liaoning Province was introduced.Taking the medical liability insurance pilot in Liaoning Province as an example,the actual analysis of medical liability insurance was conducted,and its operation status was analyzed in detail from the overall premium income and payment status.The actual work experience of the relevant departments of the liability insurance business,and the results of surveys with relevant government departments,insurance intermediaries,and medical institutions.Next,this paper discusses the development of medical liability insurance in China,and clarifies the necessity of developing medical liability insurance in China from four aspects,and summarizes the plight of medical liability insurance in China.Then,this article introduces the development process of medical liability insurance in the United States in detail,summarizes the crises it has faced during its development,and analyzes it to conclude the inspiration and reference for the development of medical liability insurance in China.Finally,based on the previous analysis,I make suggestions for the healthy and sustainable development of China’s medical liability insurance.