Medical liability insurance is difficult to melt the doctor-patient ice

Copying foreign practices, it is likely that "Huainan for Orange, Huaibei," the increase of medical disputes and the frequent occurrence of extreme events, forcing people to find a way to ease the relationship between doctors and patients as soon as possible. Medical liability insurance is once again considered a suitable prescription. However, this type of risk in China has not been successful in the past decade, the twists and turns need to be carefully examined. "Medical liability insurance looks very beautiful, but if there is no relevant supporting environment, it is only mirrors, can not solve the problem between doctors and patients."　　"said Sour, dean of the Cufe Insurance Academy. The so-called "medical liability insurance" means that within a certain period and area, when the insured (generally a medical institution or a professional physician) engages in the treatment and nursing work in accordance with his or her qualifications, the insurance arrangements for compensation shall be made by the insurer (insurance company) for the economic liability for negligence arising from medical malpractice or medical error.　　As early as 1999, our country passed the government decree in individual areas for trial, and then by the Chinese insurance company to implement nationwide. However, today, medical liability insurance is still in the bud, a number of insurance companies have also withdrawn from the field.　　This is not the same as people's expectations of it. Shenzhen insurance medical institutions less than 5% in the past June is known as "doctor-patient Black June". In this month, Henan, Zhejiang, Hubei and Fujian and other provinces occurred a number of vicious events. There was a fight between doctors and patients, and some even spilled blood on the spot. Many experts and scholars in the aftermath of the prescription said, to the doctor and patient, must have a third party intervention, that is (compulsory) medical liability insurance.　　This is not a very fresh idea. In recent years, every national "two sessions", there are deputies, CPPCC members proposed to let doctors buy medical liability insurance.　　2009 "Two Sessions", the CPPCC economic group members, China Ping An group chairman and chief Executive Officer Ma to submit a bill, proposed in China to establish a compulsory medical liability insurance system, to promote China's medical and health cause of sustainable and healthy development. There is no big difference between Ma's reasons and others: Medical liability insurance is an important way and powerful tool to manage medical risk, relieve doctor-patient contradiction and solve medical disputes, and is also a powerful guarantee for promoting health system reform and promoting healthy development of medical service. In developed countries, this type of insurance has been widely promoted, "the function of resolving medical disputes is significant".　　Our country also needs to follow suit. Taking the United States as an example, doctors ' participation in occupational insurance system is a compulsory obligation stipulated by law. One medical service charge of 8% to the insurance company, the performance of a good doctor can be reduced to 4%, the performance of the poor may rise to 15%, until refused to insure. That means the end of their careers.　　Almost a 1/3 of the income of a doctor is used to buy insurance, and in the event of a medical accident or medical error, the liability falls on the insurer. However, his proposal was opposed by a number of members of the CPPCC's medical and health unit.　　This "objection" is also a mirror of the prescription of "responsibility insurance to save the doctor-patient relationship". National CPPCC Medical and Health group member, Peking University stomatological Medical College Dental Implant Center Director LinWild told reporters, for medical institutions and the medical profession, the insurance medical liability insurance can pass on the practice risk, reduce the financial burden, some developed countries do take the form of coercion, but in our country can not do so, at least the current situation does not improve the words can not. "I've contacted the people of the insurance company and the products they sell don't appeal at all. Plainly, just want to collect money, do not want to do things. The contracts are all unfavourable to the hospital's terms, which they don't care about; Once a medical dispute has been made, 90% of the work has to be done by the hospital itself. Why is the hospital insured for insurance?　　"Woodlands said. Woodlands's views are prevalent among medical staff. Yang Nairi, the former party secretary of the Chinese Academy of Traditional Chinese Medicine, a member of the CPPCC's Medical and health committee, said that the risk of medical care is an objective reality and that doctors may make mistakes, so there is a need to pass on this risk. "Only now the services provided by the insurance companies do not reach the purpose of the hospital, so hospitals and medical staff are not motivated." "A medical staff for the insurance, the medical staff did not insure the enthusiasm, the results are conceivable." In China, one of the most developed insurance market in Shenzhen, in 1999-2003 four years, medical liability insurance Cumulative Premium income of only more than 2 million yuan, insurance medical institutions less than 5%.　　This is the Shenzhen insurance market nearly 20% annual premium growth rate is very uncoordinated. Why "Huainan for Orange, Huaibei as the" as an expert in insurance science, medical liability insurance to promote the difficult, Sour have their own views. In his view, the incentive for insurance companies to attract customers to expand sales is that there is a desire for insurance to evade risk, and that the buying and selling is not there, and that the reason behind it or the two sides. "Huainan is Tangerine, Huaibei is orange, not the fault of the tree, is the climate changed." Sour said that the medical process is a highly professional technical category, insurance companies can not be able to determine the medical dispute, and ultimately the medical industry itself to resolve. "If an insurance company were to set up a team of experts to assess medical compensation, the premium rate could be so high that no hospital would be able to afford it, so it would be impossible if the hospital wanted insurance companies to solve a lot of medical disputes." However, unlike many developed countries, China has long lacked an independent medical malpractice appraisal institution (which is one of the reasons for the frequent medical disputes and one of the reasons why medical disputes are difficult to mediate).　　In the medical appraisal process, the medical personnel both when "the player" and when "the referee", causes the people to be unable to believe the appraisal result, therefore, even if the insurance company appeared, also cannot avoid mutual harboring suspicion. In this case, there is a lack of necessary links between claims and accidents. "How can an untrusted accident appraisal bring about a convincing claim?" he asked. If you disagree with the outcome of the claims, the insurance that people expect to relieve the tension between doctors and patients will lose its foundation, and the insurance companies will be pulled intoDisputes, the situation will not improve. In addition, there is a "Chinese situation" in the mischief. Out of the dispute, if the two sides through the identification of medical accidents, then the face of the hospital will be more harm, but also affect the year-end assessment and rating, which prompted the medical institutions tend to calm down, choose to settle. In this respect, the insured insurance company, even if willing to pay, can not find the basis for compensation.　　There are many medical institutions, especially large hospitals, often think that the chance of accidents is very small, fully capable of compensation, there is no need to buy insurance. Sour that in order to save the doctor-patient relationship by medical liability insurance, we must face up to China's many realities and not copy foreign practices casually.　　For example, in the United States and other countries, the vast majority of doctors are freelancers, they and China in the state of the doctor completely different, in order to win patients, they must have a first-class technical level, first-class quality of service, and reputable insurance companies are willing to underwrite, is to its technical level, service quality affirmation.　　He therefore suggested that if you want medical liability insurance to bring miracles, then first of all to provide the necessary conditions for its effectiveness, especially to set up a special body independent of the health administrative organs to deal with medical disputes, by a certain qualification of forensic certification bodies and practitioners as a medical accident technical identification body.　　In addition, Sour that, as a result of the major disaster relief, China can also set up a medical and patient rescue fund, the designation of a credible organization to manage the operation, to the difficult patients and their families a certain amount of money to help, perhaps also to tighten the relationship between doctors and patients to bring some warmth. BEIJING, July 12 (Xinhua)