On October 21, 2025, Ezhou Medical Group convened a regular work meeting, with a primary focus on medical risk prevention and control and the protection of medical staff’s legitimate rights and interests. General Manager Cheng from Medical Benefit Insurance was invited to attend the meeting and deliver a special speech. Centering on the core theme of Jointly Building a Medical Accident Risk Protection System and Mitigating Physicians' Occupational Risks with Medical Accident Insurance, he put forward targeted suggestions to facilitate the high-quality development of the group.
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Analyzing Industry Pain Points: Medical Disputes and Occupational Risks Cannot Be Ignored
With the growing awareness of patients’ rights protection and the increasing complexity of medical technologies, the incidence of medical disputes remains persistently high. Among the key points of contention are the difficulty in liability identification and the exorbitant amount of compensation involved. Some medical accidents, though not caused by medical staff’s negligence, may still trigger disputes. These incidents not only impose financial pressure on medical workers but also bring heavy psychological burden, and even disrupt the normal order of diagnosis and treatment.
In light of the current industry situation, the potential risks posed by medical accidents and other adverse events to medical staff cannot be overlooked. Data shows that over 60% of doctors have encountered occupation-related complaints, and the compensation for a single major dispute can reach over one million yuan. This severely undermines medical staff’s sense of occupational security and enthusiasm for practice, and restricts the innovative development of medical technologies.
Interpreting the Protection Scheme: Core Values and Multiple Benefits of Medical Accident Insurance
As an important component of the national medical risk-sharing mechanism, medical accident insurance realizes the socialization of risk allocation through market-oriented approaches, and builds a fair and impartial platform for safeguarding the rights and interests of both medical providers and patients.
He focused on analyzing the multiple benefits of implementing medical accident insurance for medical staff. First, it builds an economic "firewall", covering compensation costs and litigation fees arising from medical accidents, thus preventing the loss of personal assets. Second, it eliminates the worries of medical staff when carrying out high-risk diagnosis and treatment, enabling them to focus more on the delivery of medical services themselves. Third, it supports career development: through professional dispute mediation and reputation management services, it reduces the negative impact of public opinion on medical workers’ career paths.
Promoting Sustainable Development: Building Consensus on Risk Prevention and Control
The promotion of medical accident insurance can not only provide medical staff with an "occupational armor", but also alleviate doctor-patient conflicts and enhance public trust in medical services by clarifying risk liabilities and simplifying claim settlement procedures. This initiative is highly aligned with the national policy orientation of encouraging the development of medical accident insurance and improving the medical risk-sharing mechanism. It will provide dual guarantees for the standardized operation of hospitals and the occupational stability of medical staff.
This speech enabled the participants to gain a deeper understanding of medical risk prevention and control, laying a solid foundation for Ezhou Medical Group’s subsequent efforts to advance the construction of a medical accident risk protection system. Both parties expressed their willingness to further deepen cooperation, explore protection schemes tailored to local medical practice, and safeguard the high-quality development of the medical and health sector with professional insurance services, so as to realize the sustainable growth of both hospitals and medical staff.