What are the contractual contents of PICC medical liability insurance terms?

What are the contractual elements of the PICC medical liability insurance clause? Medical liability insurance is the most important type of professional liability insurance. It takes the medical organization as the policyholder, as long as a hospital to vote for this insurance, all the hospital's employees are insured. 1、Medical liability insurance liability (1) due to the insured or its staff of medical errors caused by the patient's personal injury or death and should bear the liability for damages. Including the medical expenses of the patient who has been treated and is being treated, the lost wages of the victim who has prolonged the period of illness for this reason, the camping subsidy, and the compensation for death and disability. Note: Only those medical treatments mentioned in the insurance policy are covered by medical liability insurance. (2) Liability for damages due to faulty medicines, medical devices or instruments supplied by the insured and causing injury to the patient, but only to the extent that they are directly related to the medical service and only cause injury to the patient. (3) Litigation, attorney's fees and other expenses agreed to be paid by the insurer in advance due to disputes arising from compensation. 2. Exclusions In addition to the same exclusions as those for liability and professional liability insurance, there are the following: (1) Any criminal, unlawful or illegal acts of the insured that violate laws and ordinances. (2) Medical treatment administered while the Insured Person is under the influence of intoxicating liquor or anesthesia. (3) Any medical treatment or procedure used by the Insured Person that is not necessary for treatment, such as cosmetic surgery. (4)Damage caused by medical measures performed while the patient is under general anesthesia, except for surgery performed in a designated hospital. (5) The insurer shall not be responsible for reimbursement of the cost of emergency medical care in the event of an accident, which is a matter of course for the medical institution. (6) Personal injury and property damage to the insured and staff are not covered by the insurer. The insurer shall take into consideration the following factors when determining the premium rate of medical liability insurance: (1) The nature of the insured organization (medical institution) is for-profit or large-scale for-profit. (2) The size of the insured medical unit, including the number of outpatients; the type of medical institution; the average number of beds in the hospital; and the performance of medical staff and medical equipment. (3) The technical level and responsibility of the medical staff. (4) The management level of the insured organization, the number of medical accidents in the past and the handling of such accidents. (5) Limit of compensation and **** other conditions. Premiums are calculated as follows: (1) According to the number of medical personnel employed by the insured organization for the treatment of patients. (2) Upon the number of physicians in the insured unit. (3) Upon the separate premiums for specialists. (4) Based on the number of hospital beds. (5) Based on the number of visits. (6) Depending on the business income of the insured organization. What is the importance of medical liability insurance can effectively diversify the risk of doctor's practice; ease the contradiction between doctors and patients; promote new medical treatments, new technologies, and promote the development of China's medical science as well as to enhance the overall level of China's health care: (a) for medical institutions and the medical industry, the first to insure the medical liability insurance can be to transfer the risk of practice, reduce the financial burden. (ii) For insurance companies, medical liability insurance is conducive to broadening the business field and increasing economic benefits. (iii) For social development, medical liability insurance is conducive to alleviating social conflicts and maintaining social stability. Comprehensive the above, medical liability insurance for a hospital is particularly important, but for the purchase of this insurance is also necessary to meet the conditions of the provisions can be purchased, therefore, after the purchase of the content of the terms should also be observed, not because of the purchase of liability insurance, the hospital can relax the diagnosis of the patient, if it does not comply with the terms and conditions of the content of the medical malpractice caused by the insurance company will not be compensated.