의료배상책임보험시장의 문제점과 활성화 방안 －의사협회 공제회를 중심으로－

In order to improve the affordability and availability of medical malpractice insurance and to discourage physicians from participating defensive practice and medicine, the council of arbitration of KMA should reform functioning and the organization. Firstly, specialization must be enforced through underwriting business by insurance professionals, efficient division of labor among insurance professionals, medical experts and lawyers for timely claims payments and timely defence of physicians, and reorganization based on the business model emphasizing physician-owned service oriented non-profit characteristics. Secondly, it should be compulsory for all medical practitioners in the nation to be a member of the council of arbitration of KMA. This would be helpful for efficient application of pooling technique and would be the foundation for physician-owned mutual insurance company in the near future. Lastly, mandated by legislative development, KMA receives reports of all payments and potential malpractice problems by members in response to malpractice claims, including settlements according to risk management process. This would be functioning as the data bank for pricing medical malpractice liability insurance products. Through specialization of functioning and organization of the council of arbitration of KMA, physician-owned mutual medical malpractice liability insurance company of physician, by physician, and for physician should be established to reduce the problem of frequent medical malpractice disputes and claims.