The Influencing Factors And Development Of Medical Liability Insurance In China

In recent years,with the rapid development of economy in our city,our country's medical and health level has been greatly developed,and many ways have been made great progress.With the rapid progress of medical technology,the phenomenon of "medical disturbance" is becoming more and more serious.It is not a new vocabulary,already deeps into the masses of people's heart.We often see the phenomenon in various hospitals in different cities from various news media.This phenomenon not only interferes with the normal order of medical dispute and affects the normal handling,and affects the progress of medicine,at the same time deepens the contradiction between patients and doctors and can burden the economy.Insurance has the function of dispersing risk and economic compensation.Therefore,as a special kind of insurance to solve such phenomena,medical liability insurance appeared.Compared with foreign medical liability insurance,China's medical liability insurance not only starts late and develops very slowly,but also has many practical problems and difficulties.Therefore,we need to constantly improve the medical liability insurance and play its role to create a harmonious and stable society.Firstly,this paper analyzes the research literature on medical liability insurance at home and abroad,analyzes the current situation of medical liability insurance in China,compares the different development modes of medical liability insurance in China,and analyzes the advantages and disadvantages of different development models.Secondly,factors affecting the development of medical liability insurance has carried on the qualitative analysis,the specific data collected through nine provinces on the relationship between the factors and medical liability insurance has carried on the empirical analysis.At the same time,this article concluded that the region's per capita income,medical income level,the level of development of liability insurance,the insurance company's sales,insurance hospital than both on the depth of medical liability insurance has the significance of positive or negative effect.Finally,this paper gives specific and feasible suggestions on the macro and micro aspects of the empirical results.