The Medical Liability Insurance System In China

Entering the new century, China’s medical and health undertakings have made great progress and development, we beat one disease problem, tu old man won the Nobel Prize in physiology or medicine. All feel we walk in the fast lane of medical development, but in recent years, the contradiction between doctors and patients in our country, it is. And use violent means to hurt the doctor to the hospital to the impact of events, often happened. Domestic comes a new professional "medical alarm", let the hospital. These "medical alarm" is not only a great environmental impact the normal diagnosis and treatment of medical institutions, but a practitioner of medical institutions a threat to the safety of the lives of psychological stress caused to the doctor, but also to patients with a bad caused great harm. Violence to solve medical disputes has become a social problem that nots allow to ignore. As is known to all, the health care industry is very risky industry, in recent years, our country medical disputes often occupy the media headlines, doctor-patient conflicts have intensified, the two sides dropped to freezing point, the trust degree between the doctor-patient conflicts escalated, with violence cases often appear the doctor, patient the contradiction between the medical institutions still bear the great social pressure and economic pressure. Severely restricts the harmonious and healthy development of the medical and health undertakings in our country. As the important way to solve the doctor-patient contradiction of medical liability insurance, but slow development, while the supply of medical liability insurance insurance market main body, but the supply main body exists between homogeneity serious, narrow, insurance claims trival, franchise and the limit of liability is too harsh. Moreover, the medical liability insurance in China time is not long, the lack of experience, the lack of big data. Is the medical liability insurance in our country play a role in ease the doctor-patient contradiction.Need to improve the medical liability insurance in our country, the transfer of medical risks by insurance. Medical liability insurance at the same time also to enrich the diversity of risks in the insurance industry, helps to maintain the stability of the society harmonious. This article first to "possessing kill basis" as the breakthrough point to discuss the doctor-patient contradiction to hospitals and the masses caused serious losses, as well as its influence on society. Secondly, in view of the present supply and demand of medical liability insurance in the hospital were analyzed, and the proposed demand oriented to different main body of personalized medical liability insurance. Countries at the same time of attaches great importance to the doctor-patient contradiction, insurance as a tool of risk management, also should share the medical risk caused by the loss of ACTS as an important role. Based on the research of the medical liability insurance in the developed countries summed up the enlightenment to our country. The lack of law in our country in the aspect of doctor-patient contradiction and the absence of insurance companies in the medical risks, are urgently needed to solve problems, and finally through the analysis of the existing medical liability insurance in our country faces obstacles and difficulties, puts forward to perfect our medical liability insurance should be in what aspects mainly master, and in view of the existing medical liability insurance in China is facing its own problems and faced problems in pushing forward the corresponding Suggestions. Limitation of our country should establish strengthen medical liability insurance system, to strengthen the government in the medical liability insurance to implement an important promoting role, actively response to the social insurance service tenet. Governments need to accelerate the process of the reform of the medical enterprise, efforts to establish a highly efficient, harmonious and fair environment, medical liability insurance to disperse medical liability risk, reduce violence injury medical cases, promote the development of medical and health undertakings, to establish the harmonious doctor-patient relationship, effectively promote social harmony and progress.