The Study on Medical Liability Insurance and Harmonious Doctor-patient Relationship

Presenter: Haibo Wu, Jiangxi College of Traditional Chinese Medicine

Abstract

Medical liability insurance is a good insurance with multi-effectiveness,which has the ability to shift the risk of medical practice,resolve disputes between doctors and patients, safeguard the interests of both doctors and patients and promote the cause of sustainable development in health care. The implementation and promotion of the insurance is good whether for medical institutions, medical staff, Or for patients.The successful experience of domestic and international shows that building a harmonious doctor-patient relationship, the medical liability insurance plays a Vital role.

However, from the point of view of the current situation of the implementation of the medical liability insurance in China, for both the supply and demand sides to be very obvious defects, which make the effect of the implementation of the medical liability insurance is not ideal. The main manifestations are: for the the demand side, because the effective demand is insufficient and medical institutions’s insurance rates are too low,which can’s meet the insurance market’s scale of"the law of large numbers"; for the supply side, because of low insurance rates, profit margins is very limited and even deficit, so as to whether Continue to improve the insurance and To increase the types of promotional efforts or not,the insurance companies cautious have the attitude of wait-and-see.In short, the medical liability insurance is very popular in foreign country, however, There have been the embarrassing situation of "appeal to the audience not to applaud". The serious shortage of the effective demand and its own shortcomings of the medical liability insurance, leading to the efficacy of medical liability insurance can not play, it has seriously affected the insurance’s roles in building a harmonious doctor-patient relationship. Whether it is economic development as a "booster", or as patient disputes "buffer" feature, are not able to play a truly effective.

To this end, From the start of the development of the insurance,it is very necessary to take effective measures to reform our health care and medical liability insurance.Take the medical liability insurance as a very important social policy of developing medical and health undertakings and solve the medical risks of China. Through legislation or in the form of government-led, a certain scope to use the properties of social insurance, to take measures of determining the premium rate with Scientific method,eveloping and perfecting relevant laws and establishing a third-party dispute resolution institutions, try to carry out the difference measures of Compulsory medical liability insurance. The aim is to expand the insurance rates of the medical liability ,In order to ensure that the medical liability insurance can play a greater role in the construction of a harmonious relationship between doctors and patients.