医疗责任保险属于职业责任保险的一种。医疗责任保险制度介入医疗侵权损害纠纷后,为受害患者实际获得赔偿提供充分保障,实现了医疗领域中一种社会化的分配正义。我国的医疗责任保险目前处于起步阶段,亟需在全国推行强制医疗责任保险制度,分散医生执业风险,缓和医患矛盾,促进我国医学科学的发展、提升医疗整体水平。 Medical liability insurance is a kind of professional liability insurance. After the medical liability insurance system intervened in the dispute over medical tort damages, it provided adequate protection for victims’ actual compensation and realized a kind of socialized distribution justice in the medical field. At present, China’s medical liability insurance is in its infancy. There is an urgent need to implement a compulsory medical liability insurance system throughout the country to disperse the risk of practicing doctors, ease the contradiction between doctors and patients, promote the development of medical science in our country, and enhance the overall level of medical care.