Simply analysis of medical liability insurance and medical accident insurance

For many years,China summarize constantly the experiences through researching,practicing and improving the cases of medical disputes at home and abroad,and has got a new mechanism to solve medical disputes with Chinese characteristics.Today,the third-party mediation mechanism for solving medical disputes has been spread nationally from theory to practice,and lots of doctor-patient dispute mediation committees,which are the platform for solving medical disputes,were found across the country.These committees can greatly relieve the contradiction of doctor and patient.At the same time,the medical liability insurance,which aims to cooperate and improve the operation of the third party mediation mechanism,has also been spread tentatively for many years in a nationwide.Lots of experience and improved insurance clauses were obtained from failure.Medical liability insurance is not only an auxiliary,but also play an important supporting role for the doctor-patient dispute mediation committee’s work.Lacking of the medical liability insurance,the third party mediation mechanism exists in name only.A stable triangle has been formed form insurance company,medical institution and medical disputes mediation committee,and this triangle can ensure that the third-party mediation mechanism run successfully.With the spreading of medical liability insurance in national scope,the advantages and disadvantages of medical liability insurance have been gradually revealed.In order to compensate the weakness of medical liability insurance,accidental medical insurance comes up as a supplement.A few of local governments have practiced the accidental medical insurance,and accidental medical insurance has become more important as supplement.Accidental medical insurance and medical liability insurance support the third party mediation mechanism,and make the third party mechanism full of vitality,and can solve doctor-patient conflicts effectively.