Yunnan Public ** will be fully insured

Recently, the reporter learned from the Yunnan Provincial Department of Health that the province has recently issued the "Opinions on Promoting People's Mediation and Medical Liability Insurance in Medical Disputes." It is required that by the end of December this year, all public medical institutions above Level 2 should participate in medical liability insurance and encourage and support non- Public medical institutions participate in insurance.

It is reported that the "Opinions" were jointly issued by the Yunnan Provincial Department of Justice, the Comprehensive Management Office, the Health Department, the Department of Finance, and the Yunnan Provincial Supervision Bureau of the China Insurance Regulatory Commission. The Opinions stipulate that all public medical institutions in the province shall follow the “six-unity” principle of unified participation in insurance, unified insurance plans, unified work procedures, unified product liability scope, uniform insurance rates, and unified service, all before June 2011. Participate in medical liability insurance.

According to the Opinions, before January 1, 2011, all counties (cities, districts) in the province should establish medical commissions and carry out work. Third-level hospitals must set up people's mediation rooms for medical disputes. There is no charge for mediating medical disputes. The people’s mediation funds at all levels of finance shall make overall expenditures among the people’s mediation funds. After a medical dispute occurs, the doctors and patients bidirectionally apply for mediation by the medical commission at the place where the medical institution is located. If the conditions for acceptance are met, the medical commission shall accept it within 3 working days and mediate it within 30 working days from the date of acceptance. If the amount of compensation for medical disputes in a public medical institution is more than 10,000 yuan, it must be mediated by the medical commission before it can claim compensation according to the mediation results. If the amount of compensation for medical disputes is less than 10,000 yuan, medical institutions and patients or their families can negotiate and resolve the matter by themselves. After the medical institution pays compensation in advance, it is submitted to the medical commission for registration and verification, and the medical commission is responsible for informing the insurance company to pay the insurance compensation.

The Opinions stipulate that all insurance premiums for medical institutions participating in medical liability insurance shall be jointly borne by medical institutions and medical personnel. The medical insurance premiums borne by the medical staff are collected by or on behalf of the medical institution in which they are located, and are paid by the medical institutions on an annual basis. The part borne by a medical institution shall be recorded in the cost of the medical institution according to regulations, and shall be set aside from the operating expenses. No increase in medical charge rates due to participation in medical liability insurance shall be allowed to increase the patient's burden.

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