浅析医疗责任保险的难点与对策

随着医疗形势日益严峻，医院作为高风险行业，必须寻求一种社会风险共担、转移机制来保障医务人员的利益，强化他们的风险意识，提高医疗质量和服务水平，使患者在损害中能得到公平的赔偿，有利于社会稳定和医疗卫生事业的长远发展。医疗责任保险是医院风险分担、转移的一种有效途径，但由于我国的医疗责任保险尚处于初级阶段，制度还不够完善，作用发挥不充分。本文探讨了医院在医疗责任保险过程中遇到的困难并对解决方法提了一些看法和建议。

Difficulties and Countermeasures on Medical Professional Liability Insurance

With the medical situation becoming more serious, hospital being a high risk calling must search one way to partake and transfer the risk in order to protect the doctor's benefit and enforce their risk awareness . It also can make the patient acquire reasonable penetration. It is good to improve the medical quality and service level and make the society stability and the hospital progressing smoothly. Medical professional liability insurance is an effective way to partake and transfer its risk. Our country's medical professional liability insurance is in an aboriginal stage, so it's not mature. This article describes the difficulty in processing the medical professional liability insurance and gives some suggestions.