从宏观角度分析 ,不论法律环境、医疗体制改革的政治环境和社会观念的变化、维权意识的提高 ,均给医疗责任保险的发展提供了广阔的空间 ,但也不可否认 ,法律的未完善性、医疗体制改革的阶段性以及人们的保险意识和医疗机构对医疗责任保险的误区还在较大程度上影响这一险种的发展。我们应充分认识到这种环境特点 ,抓住这种利大于弊的时机去认真分析医疗机构的需求 ,改造已有的医疗责任保险产品 ,以满足医疗机构转嫁风险的需要 ,最终降低医疗纠纷 ,使医患双方的合法权益得到维护 From a macro perspective, regardless of the legal environment, changes in the political environment and social concept of the medical system reform, and the improvement of the awareness of safeguarding the rights, all of these provide ample room for the development of medical liability insurance. However, it is undeniable that the imperfections of the law, The stage of the medical system reform and people’s awareness of insurance and medical institutions, the liability of medical misunderstanding is still to a large extent affect the development of this insurance. We should fully recognize this environmental feature, seize this opportunity more than good to seriously analyze the needs of medical institutions, to transform the existing medical liability insurance products to meet the risk of the transfer of medical institutions need to eventually reduce medical disputes, So that the legitimate rights and interests of doctors and patients are maintained