Research On The Problems Of Medical Liability Insurance In Our Country

Medical liability insurance originated in the United States, and there are over one hundred years of history in Europe and United States. While the ups and downs of foreign medical liability insurance in the development process, it has formed a mature, stable mode, and made a great contribution for the protection of medical institutions, medical personnel, patients’ interests. In contrast, the development of medical liability insurance in our country, due to various reasons, has been caught in an embarrassing situation.In recent years, with the domestic medical events occur frequently in our country, many of the government departments on the development of medical liability insurance to be enough attention, have adopted policies and regulations to implement medical liability insurance. Meanwhile, a number of provinces, according to their actual conditions, developed personalized medical liability insurance programs, such as Shanghai, Shenzhen and other places. But these attempts failed to significantly improve the multiple difficulties faced by our medical liability insurance during the operation, and the medical liability insurance is still difficult to effectively play its risk diversification, and the role of social management.To solve the current problems faced by our medical liability insurance, one way, we can start from the mechanism of medical liability insurance and boldly explore a more effective new model to replace the original one; another way, we can also explore the issues of the current medical liability insurance mechanism in practicing, then measure to improve the current situation. This paper is based on the second approach, analyzes our current medical liability insurance in the content of the specific implementation, attempts to find the defects of medical liability insurance in the running process, and provides the feasible advices for the improvement of medical liability insurance in china. This paper makes the following arrangements for the content of the text:The first section is the theoretical analysis of medical liability insurance. Firstly, the medical liability risks were defined;Then this paper introduced the necessity of medical liability risk management and the medical liability risk management strategy; Finally, we described the definition characteristic and function of medical liability insurance.The second section is the analysis of the status of China’s medical liability insurance operation.In this part, the development process of medical liability insurance in our country, the status of the business model, operating results and our medical insurance market innovations were introduced. Then it analyzed the dilemma facing the medical liability insurance market in China from the perspective of insurers, medical institutions, patients, government four stakeholders.The third section is the analysis of the case. This part takes Jiangsu Province as an example for studying the operation situation of medical liability insurance in China. This part analyzes the development overview and market subjects of medical liability insurance in Jiangsu Province. The specific implementation details, including relevant supporting policies, the settings for types of insurance and terms of medical liability insurance, were analyzed.In each part of the analysis, the paper carried out in addition to the comments of this article also gives insight into the underlying defect.The fourth section is the suggestions. The paper gives some suggestions to improve the medical liability insurance in China, including increasing medical liability insurance innovation to meet the individual needs and to increase the participation of insurers in the mediation process and make full use of insurance intermediary’s advantage.