Research On The Development Of Medical Liability Insurance In China

In recent years,china’s medical and health undertakings are developing at a faster rate,however,incidents such as "medical troubles","violent injuries" and "medical accident disputes" continue to emerge,such behavior seriously affects normal medical order,and harming the legitimate interests of patients and medical institutions.Medical liability insurance as an important way to improve the regulation mechanism of doctor-patient disputes and to build a "safe hospital",has developed rapidly in China.Throughout the development of medical liability insurance in Guangxi Zhuang Autonomous Region,although it is one of the first provinces and cities to try the medical liability insurance system,and promulgated various provisions,but a few years passed,its development fingers are weak.Exploring the development status of Guangxi Zhuang Autonomous Region from various angles,factors affecting the development of medical liability insurance are more diverse,including government factors,insurance company factors,medical institution factors,and patient factors,they have different degrees of impact on the development of medical liability insurance in Guangxi Zhuang Autonomous RegionThrough analysis of relevant literature and insurance and medical and health data of Guangxi Zhuang Autonomous Region,at the same time,it investigates the development model of medical liability insurance in Guangxi Zhuang Autonomous Region,the development of liability insurance market,and the main body of insurance market,finding that there are many problems in the process of implementing medical liability insurance in Guangxi Zhuang Autonomous Region,such as(1)The government level does not pay attention to it;(2)The insurance company’s services are not advancing with the times,the staff is insufficient,and the claims center has no independent fixed office space;(3)Medical institutions have serious shortcomings in risk prevention awareness,and lack a positive attitude to effectively avoid risks.Moreover,they do not have the desire to transfer and resolve medical liability risks by actively insuring medical liability insurance;(4)Differences in individual patients,etc.Therefore,through the methods of literature analysis and data analysis,the development of medical liability insurance at home and abroad is studied,from the perspective of the government,insurance companies,medical institutions and patients,the countermeasures and suggestions for improving the medical liability insurance of Guangxi Zhuang Autonomous Region were proposed.At the government level.it is recommended to develop a professional group and pay close attention to the development of medical liability insurance;at the same time,formulating the "Regulations on Compulsory Medical Liability Insurance of Guangxi Zhuang Autonomous Region",helping insurance companies achieve true risk dispersion through mandatory security model,and improve the solvency of insurance companies;In addition,it is necessary to set up a professional doctor-patient mediation center and establish relevant regulations for medical accidents,and through the media to spread the concept of medical liability insurance.For insurance companies,in order to better carry out the medical liability insurance business,insurance companies need to improve the service system,and upgrading and innovating its services;At the same time,insurance companies must continue to improve marketing models and improve medical liability insurance clauses,there is a need to design different types of medical liability insurance products to increase the enthusiasm of insured medical liability insurance for public medical institutions and their practicing medical personnel,it is also possible to attach accident insurance and establish a medical risk database,etc.;Within the medical institutions,relevant means should be taken to train and popularize the relevant risk knowledge of their medical staff,and by changing the traditional inertia risk thinking to improve their risk prevention awareness,at the same time,patients are also encouraged to purchase medical liability insurance,it is the best insurance model for patients and medical institutions to share risks.Only when the Guangxi Zhuang Autonomous Region unites as one,can the medical liability insurance industry in Guangxi Zhuang Autonomous Region be promoted to be benign.