关键词: 医疗纠纷, 医疗责任保险, 医患关系, 医疗事故, 医疗损害

Abstract: The main problems of medical liability insurance system at present in our country are：lack of legislative guarantee and the third party mediation mechanism，imperfect medical liability insurance clauses，poor medical liability insurance products，deficient professionals for medical liability insurance development，etc. To solve these problems，we need to seek scientific methods to guarantee healthy development of medical liability insurance system. Government should establish medical liability insurance regulations and make it a compulsory requirement. The insurance companies，on the other hand，should also take measures to better medical liability insurance clauses，to provide differentiable medical liability insurance products，to accelerate cultivation of professionals who can deal with medical disputes and to establish medical risk information database. The hospitals’ responsibility is to provide high quality medical service through joint efforts of every medical department and personnel. The patients，too，should be riskconscious and buy personal accident insurance according to their own situations，so that they can be better protected by obtaining indemnity not only from medical institutions but also from accident insurance after an accident.

Key words: medical dispute, medical liability insurance, doctorpatient relationship, medical negligence, medical damage