| Medical industry is a high-tech industry coexisting with high risk,which is developed with medical risk all the time,the uncertainty,complexity and occurred inevitability of the medical risk makes it hard to prevent completely for the medical Institutions and medical workers.When the potential risk turns to occurred condition,it will make different degrees of medical damage,not only let the patients suffering a lot,but also let the medical Institutions and medical workers caught in the medical dispute generated by the interests of the patients,and finally this will become a mess for the reason that both hospital and patient try to transfer risk-taking,even causes violence,that is neither good for the patient to get fairly compensation,nor good for the development of medical Institutions,and it’s a shock for stability of the medical industry.In order to try best to face medical risks and strengthen the management of medical risk,many countries oversea had already built the medical liability insurance system of shared responsibility.Although some cities and provinces in China also built this system,it’s still in the start-up stage,the actual operation was not good enough and occurred many problems,the system designing and running mode also needed to improve and complete.In the situation,this article is based on the innovation forefront of politics,economy and culture in China—by analyzing the characteristic of operating mechanism,subsistent problems and feasible solutions for the medical liability insurance system in Guangdong province,to provide experience sharing for the perfection of the medical liability insurance system for other cities and provinces of China.The research of this essay includes four parts below:Part one defines the concept of the medical liability insurance clearly,introducing how the medical risks effect the development of the medical industry from both subjective and objective perspectives,and by collecting the materials of public reporting to explain the negative effects brought by the medical dispute phenomenon,meanwhile adding the actions of government level for the medicalliability insurance system.Then explaining the objective and significance of the research in this article,analyzing and contrasting the strengths and weaknesses of the research status between domestic and overseas,and finally introduce the studying object which is the medical liability insurance system in Guangdong province,the study content and method in the studying.Part two stretching from the development situation of the medical and health services in Guangdong province,introducing the unique feature of the medical liability insurance system in Guangdong province from several aspects such as policies and regulations,legal basis,promoting model,system of claims and mediation,insurance expenses and insurance underwritersPart three analyzing the problems existed in the development of medical liability insurance system in Guangdong province from two parts,the government’s fiscal policies and basic medical institution insured policy,adding aspects such as the insurance company’s formulation of premium rate,reserve of specialized talents,using of premium,the independence of the mediation service,service type and so on.Part four using the Delphi method,select the relevant experts in the field.Then offering suggestions about how to improve the medical liability insurance system in Guangdong province based on the previous analysis,from the macro governmental profile and micro medical institutional profile.Emphasizing that only the cooperation between medical institution and insurance can make the medical liability insurance system work well on dispersing,preventing and managing medical risks,reducing medical dispute,promoting doctor-patient relat-ionship in harmony. |
