Mutual Insurance: orientation for developing medical malpractice insurance.

Liability insurance is one of important Alternative Risk Tansfers (ART). Few commercial insurance companies provide insurance for the increasing medical risk for the sake of profits. With low operating cost, American medical liability mutual insurance companies can provide flexible insurance program, effective medical risk management and multifunctional legal service. In China, we should take the American non-commercial medical liability mutual insurance companies as model and estabish the compensation system for medical damage from the perspective of social systems engineering.