Research On Physician's Liability Insurance In China

In recent years,there have been frequent disputes between doctors and patients in China.The contradiction between doctors and patients has escalated.In many places,even extreme incidents have been caused by medical disputes.Medical disputes have increasingly attracted the attention of the public.The frequent occurrence of medical disputes not only affects the normal business order of medical institutions,but also is not conducive to the construction of a harmonious society.China urgently needs to develop physician liability insurance to achieve the goal of reducing medical disputes,alleviating contradictions between doctors and patients,and transferring doctors' practice risks.However,the development of physician liability insurance in China has the defects of very weak theoretical foundation,extremely imperfect insurance system and insufficient practical experience.This situation is not compatible with the rapidly developing social needs.Therefore,under the premise of learning from previous studies,this paper further explores physician liability insurance by studying foreign related theories and combining with specific national conditions in China,hoping to provide some reference for subsequent research.How to better develop the doctor liability insurance in China is the main content of this paper.Firstly,this article introduces the first introduction of physician liability insurance in Shenzhen.Shenzhen introduced the doctor's liability insurance with high insurance coverage and zero exemption,and introduced third-party agencies to make fixed damages,making the identification results more objective and persuasive.The policy form is an energy-saving and environmentally-friendly electronic policy,and the underwriting implements a more humane period-based principle.The introduction of physician liability insurance in Shenzhen can transfer the risk of practicing doctors,so that doctors can work more safely in medical work,and help to ease the contradiction between doctors and patients.Secondly,this article analyzes the development of physician liability insurance in china and the problems and causes in the development process.In China,the laws and regulations related to physician liability insurance are not perfect.The scope of responsibility of physician liability insurance in china is not clear.The premium and insurance rate design of the insurance product unreasonable.Therelated services of the insurance company are not in place.These problems will hinder the development of physician liability insurance.Thirdly,this article studies the development characteristics of physician liability insurance in the developed countries of the United States,the United Kingdom and Japan,and draws lessons from which it is worth learning.Finally,in response to the problems existing from the practice in China,this article puts forward countermeasures and suggestions for promoting the development of physician liability insurance in China.