What does a medical liability insurance agreement include?

I. What does a medical liability insurance agreement include? Medical liability insurance is the most important type of professional liability insurance. It is a medical organization as the policyholder, as long as a hospital to vote for this insurance, the hospital's all 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 the 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) According to the business income of the insured organization. Second, what is the importance of medical liability insurance can effectively diversify the risk of doctor's practice; ease the contradiction between doctors and patients; to promote new medical treatments, new technologies, to promote the development of China's medical science and to enhance the overall level of China's health care: (a) for the medical institutions as well as the health care industry, the first to insure medical liability insurance can be transferred to the practice of the risk, 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. In recent years, the citizens of the legal awareness of the continuous improvement, will also have to buy insurance to prevent and reduce the loss of the accident occurred, then there will also be people will buy medical liability insurance, medical liability insurance will also be written in the rights and obligations of both parties, as well as the amount of compensation after the occurrence of medical liability accidents, when medical accidents can be based on the insurance agreement to claim damages.