Research On The Development Of The Shaanxi Medical Liability Insurance

Objective: Medical Liability Insurance is considered as a good product, because it can not only eliminate the high risk of hospital, but also expand the business of insurance agent. However, it wasn’t widely accepted in China. Shaanxi government asserted that all of the Grade Ⅲ public hospital and 90% of the Grade Ⅱpublic hospital should participate in Medical Liability Insurance until the end of 2015, but there are still many problems to resolve. This article is aimed to provide the reference for the government to make policy, and for the insurance agent to improve their product by reviewing the development of Medical Liability Insurance, analyzing the rate of joining insurance among the Grade Ⅱ and Grade Ⅲ public hospital in Shaanxi province, illuminating the confidence of public hospital in Medical Liability Insurance. Methods: During the research, we mastered the basic theory and operation model of Medical Liability Insurance, and analyzed the experience and shortcoming of the Medical Liability Insurance in the model regions by reviewing more than 80 articles. We send questionnaires to 25 public hospitals which are selected from all of the 10 cities in Shaanxi province, interview 25 staffs from hospitals,administration sections of the government, and insurance agent, so as to collect the suggestion on the extension of Medical Liability Insurance. We also use statistical analysis method to analyze the data from the questionnaires and interview. in order to investigate the influence factors on how to carry out the Medical Liability Insurance. Results:(1) There are more and more people paying attention to Medical Liability Insurance through the joint effort of local government and hospitals, but the regional difference is still remarkable.(2) The rate of joining insurance is about 40% among the Grade Ⅱ and Grade Ⅲ public hospital in Shaanxi province. The rate in the Grade Ⅱpublic hospital is superior to that in the Grade Ⅲ public hospital.(3) The most direct factors which influence the rate of joining insurance are the low capability on risk-export, the high insurance premium, the simplex of the insurance product, and the multifarious process of compensation.(4) Doctors’ poor awareness, the distemperedness of the policy, and the different appeal between hospitals and insurance agent are the important exterior restraining factors which ensure the benign development of Medical Liability Insurance.(5) To solve the current problems, we offered 9 suggestions, such as to eliminate the regional difference, bring the supervisory role of public opinion, etc. Conclusion: To extend the Medical Liability Insurance all over Shaanxi province is a complex project, which need the strong impel by the government, and the cooperation between hospitals and insurance agent. Because Medical Liability Insurance was carried out in Shaanxi province just from 2014, we should pay more attention to this project and devote ourselves to improve the research of Medical Liability Insurance.