Pondering over the development of medical liability insurance
Fan Zhe
Abstract
Fan Zhe
Abstract
Developing medical liability insurance energetically in order to compensate the patient damage made by medical malpractice sufficiently,has significant effects on the legal rights of the patient and the hospital as well as medical affairs,on optimizing medical condition and medical order. Because the hospitals are owned by the state,and the hospitals' profit is still not enough to compensate tort of personal damage. Moreover,the synthesis hospitals medical malpractice cases are certain. Choosing medical liability insurance models which can meet hospital financial security requirements,such as medical liability insurance trust,can prompt the development of medical liability insurance. According to the practices,it is shown that commercial medical liability insurance should not become the main part of medical liability insurance. Only establishing independently medical malpractice disputes mediation authentication agency can ensure medical liability insurance developing smoothly.
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Developing medical liability insurance energetically in order to compensate the patient damage made by medical malpractice sufficiently,has significant effects on the legal rights of the patient and the hospital as well as medical affairs,on optimizing medical condition and medical order. Because the hospitals are owned by the state,and the hospitals' profit is still not enough to compensate tort of personal damage. Moreover,the synthesis hospitals medical malpractice cases are certain. Choosing medical liability insurance models which can meet hospital financial security requirements,such as medical liability insurance trust,can prompt the development of medical liability insurance. According to the practices,it is shown that commercial medical liability insurance should not become the main part of medical liability insurance. Only establishing independently medical malpractice disputes mediation authentication agency can ensure medical liability insurance developing smoothly.
Key concepts: Medical malpractice, Liability insurance, Business, Actuarial science, Liability, Insurance policy, Malpractice, Tort