With the development of the Internet, people can supervise some things through Internet public opinion. However, for some medical accidents or doctor-patient disputes, it is not enough to rely solely on public opinion. As a supervisory authority, the CIRC can alleviate these contradictions through medical liability insurance. Let's take a look at some new liability insurance policies launched by the CIRC!
In modern society, the contradiction between patients and medical staff in China is increasing, which not only brings inconvenience to patients, but also poses a threat to the safety of medical staff. In order to solve these problems, the CIRC has vigorously developed medical liability insurance. The new "national ten articles" of the insurance industry may become an opportunity for the implementation of liability insurance as a compulsory type of insurance.
Xiong Zhiguo, director of the Policy Research Office of the CIRC, said in an interview on the 28th that the CIRC focuses on the fields of medical responsibility, environmental protection and food safety, and is actively exploring the pilot of compulsory liability insurance.
The several opinions on accelerating the development of modern insurance service industry (hereinafter referred to as the opinions) recently issued by the State Council mentioned that it is necessary to explore and carry out pilot projects of compulsory liability insurance in areas closely related to public interests. In this regard, Xiong Zhiguo said that liability insurance takes the insured's liability for compensation to a third party according to law as the subject matter of insurance, has strong public welfare, has unique advantages in assisting social management, and can play an important role in ensuring and improving people's livelihood.
Medical liability insurance is an important part of medical risk sharing mechanism, which can effectively safeguard the legitimate rights and interests of both doctors and patients. Through the effective combination with the medical dispute mediation mechanism, we can prevent and resolve the contradictions between doctors and patients and maintain the normal medical order. In addition, using the leverage of insurance premium rate can guide medical institutions to improve risk awareness and risk management level.
Xiong Zhiguo said that the CIRC attaches great importance to medical liability insurance and proposed that by the end of 2015, the participation rate of national three-level public hospitals should reach 100%; The participation rate of secondary public hospitals shall meet the requirements of more than 90%. At the same time, we will promote the inclusion of medical liability insurance in 'Ping An hospital' and the construction of medical risk sharing mechanism.
In terms of food safety liability insurance, the media learned that at present, different forms of food safety liability insurance have been piloted in Shanghai, Jiangsu, Shandong, Sichuan, Jiangxi and other places. However, at present, China's food safety liability insurance is still in the initial stage of pilot launch. Generally speaking, the insurance enthusiasm of food enterprises is not high, the insurance coverage is still relatively low, and the function is not enough. Xiong Zhiguo said that the CIRC is actively communicating and coordinating with the State Food and Drug Administration and has drafted guidance on the pilot work of compulsory liability insurance for food safety, which is to be jointly issued in the name of the two ministries and commissions. Next, the CIRC will actively work with relevant departments to promote the pilot of compulsory food safety liability insurance.
In the field of environmental pollution liability insurance, Xiong Zhiguo said that at present, pilot environmental pollution liability insurance has been launched in Jiangsu, Hunan, Shanxi and other places and high environmental risk industries such as heavy metal enterprises. At the same time, organize industry forces to study and formulate environmental risk assessment guidelines, so as to provide technical support for assessing enterprise environmental risk and determining premium. At the same time, guide the insurance industry association to launch the model clauses of environmental pollution liability insurance, guide insurance companies to design insurance products scientifically and reasonably, and provide comprehensive and sufficient insurance protection for enterprises.
To sum up, the CIRC takes medical liability and food safety as the key areas for future development and actively carries out the pilot work of liability insurance. Among them, the CIRC proposed that by the end of 2015, the insurance participation rate of national three-level public hospitals should reach 100%, resolve doctor-patient contradictions and maintain normal medical order.