Research On Several Issues Of Medical Liability Insurance In China

In recent years,due to the rising awareness of consumer awareness and rights protection,patients expect medical behaviors to completely change their bad situation and their increasing expectations and needs for the quality of medical services,coupled with the constant adjustment of new policy documents issued by local governments.The risk of professional liability faced by medical institutions tends to be diverse and complex.It is not uncommon for medical disputes to occur,arousing the attention of all sectors of society and attracting a wide range of concerns.Due to medical restrictions,the risks are unavoidable.How to prevent the impact of occupational risks on the psychology and economy of doctors and how to create a safe and practicing environment to provide medical services to patients today when the frequency of medical disputes and the amount of civil compensation surges.The mechanism of risk distribution of medical responsibility appears to be particularly important.The system will be beneficial to the protection of the legitimate interests of both sides of the dispute and to the improvement of the existing medical liability insurance market.The medical liability insurance system is conducive to promoting the insurance product and business renewal and insurance.The utility of market rules.Therefore,developing and perfecting China’s medical liability insurance system is conducive to protecting the legitimate rights and interests of both the medical responsibility institution and its patients,building a proper doctor-patient relationship and promoting the building of a harmonious socialist society.Although the medical liability insurance system is one of the risk-dividing mechanisms that are eagerly concerned and discussed by the public,there are many problems in reality.The main ones are the low enthusiasm for medical institutions to take out insurance,the low willingness of insurance institutions to accept insurance,and the narrowness of medical liability insurance.In order to promote the development of the system in China,we must summarize the current local model in China and the advanced model for foreign development.In terms of nurturing medical professional liability professionals,at the current stage,we can adopt The insurance company’s employees’ business ability to make up for the lack of talent at this stage;to improve the medical liability insurance system,for example,establish a third party that exists independently in two parties to become an accident identification agency;implement a diversified medical liability insurance system to discover users Hidden demand,local government policy support.For example,local governments must formulate corresponding incentive policies based on local development actual conditions,create a local environment that is conducive to the development of medical liability insurance in the region,and modify relevant laws and regulations.To promote the development of the system,effectively solve medical disputes,transfer of medical risk medical institutions,to promote the establishment and development of harmonious relations.In the construction of this article,the author believes that in order to improve China’s current medical insurance liability system,we must analyze the problems existing in the current stage of China’s institutional model,in order to plan the ideal prototype of development and develop it.The vision has been integrated into a worldwide practice,and the comparatively good experience model in other countries has also been applied to the planning and improvement of the system in China in order to promote the development of China’s medical liability insurance system.