Research On Medical Liability Insurance System In Chengdu

Health China has become a national strategy,and medical personnel should be respected as an important guarantee of people's health.In contrast,the reality in China is that the contradiction between doctors and patients is prominent,medical disputes occur from time to time,and the vicious incidents of beating and injuring doctors seriously disturb the normal medical order and affect the enthusiasm of medical staff.It is difficult to achieve efficient and fair settlement of medical disputes through doctor-patient consultation,appraisal or litigation.However,the medical liability insurance system implemented by western countries can achieve the purpose of transferring medical practitioners' medical practice risks,balancing the interests of both doctors and patients,and handling medical disputes fairly and efficiently.On July 9,2014,National Health and China Family Planning Commission of People's Traditional Chinese Medicine,Ministry of Justice,Ministry of Finance,China Insurance Regulatory Commission and State Administration of Traditional Chinese Medicine of the People's Republic of China jointly issued Opinions on Strengthening the Work of Medical Liability Insurance,which points out that “giving full play to the important role of medical risk sharing mechanism that takes medical liability insurance as its main form in resolving medical disputes and managing medical risks,” establish and improve the medical liability insurance system in China,and develop a new way to prevent medical risks in China by transferring medical occupational risks through insurance companies.However,since the insurance system has not been in China for a long time,all parties are in the exploration stage,and the insurance is not compulsory,which results the low insurance rate.On October 22,2015,Health and Family Planning Commission of Chengdu issued Notice of <Forwarding the Notice of Health Commission of Sichuan Province and other 5 Departments on Strengthening the Work of Medical Liability Insurance > by Health and Family Planning Commission of Chengdu,Chengdu Justice Bureau and Chengdu Finance Bureau,which marks the official start of the implementation of medical liability insurance system in Chengdu.The system requires that "the implementation of medical liability insurance should be included in the establishment and evaluation of 'Ping An Hospital(Safe Hospital)',and the medical and health system reform should be included in the assessment system".Chengdu still fails to change the current situation of low insurance rate though it adopts administrative means of stipulating the insurance participation of medical institutions.By introducing the current situation of the implementation of medical liability insurance system in Chengdu,this subject analyzes the problems in the implementation of the system by using the effect model,finds out the problem that the system is not very responsive,which leads to the low desire of insurance participation of medical institutions,low desire of insurance undertaking of insurance companies and low desire of claim settlement of disputing parties,and puts forward suggestions for balancing the interests of doctors,patients and insurance companies.