With the medical disputes soared medical liability insurance caused all sectors of society to attentiom.The author in the study of domestic and foreign medical liability insurance system,and the basic situation of actual effect are analysed on the basis of restricting our medical insurance of liability of the factors are:legal environment is imperfect the insurance clauses are not perfect,insurance company claims a low efficiency,the expenence abroad and with the reality ofour country,the author puts forward a mandatory medical principal risks,perfecting the insurance clauses,the govemment increased the fmancial support establishing third-party mediation organization countermeasures.%随着医疗纠纷剧增,医疗责任保险引起了社会各界共同关注.在研究国内外医疗责任保险制度的基本情况和实际成效的基础上,分析制约我国医疗责任保险发展的因素有:法制环境不健全、保险条款不完善、保险公司理赔效率低等,借鉴国外经验并结合我国实际,提出建立强制性医责险、完善保险条款、政府加大财政扶持、建立第三方调解机构的对策.
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