Its about you and me! More than 20 provinces have announced plans to incorporate maternity insurance into medical insurance countdown

category:Finance
 Its about you and me! More than 20 provinces have announced plans to incorporate maternity insurance into medical insurance countdown


Data chart: social security services for the public. Photographed by Zhang Bin, reporter of China News Agency

More than 20 provinces announce the plan of two insurance combination

According to the opinions on comprehensively promoting the implementation of the combination of maternity insurance and basic medical insurance for employees issued by the general office of the State Council in March 2019, the combination of maternity insurance and basic medical insurance for employees will be implemented by the end of 2019.

According to incomplete statistics from zhongxin.com, as of December 3, at least 20 provinces have announced plans for the combination of maternity insurance and basic medical insurance for employees.

These provinces include Guangdong, Guangxi, Shandong, Shanxi, Hebei, Gansu, Ningxia, Jiangxi, Tianjin, Zhejiang, Hunan, Hubei, Yunnan, Xinjiang, Qinghai, Hainan, Heilongjiang, Jilin, Jiangsu, Chongqing, Guizhou, etc.

For example, on December 2, Guangdong Province announced the implementation plan of Guangdong Province for comprehensively promoting the combination of maternity insurance and basic medical insurance for employees, which requires to ensure the implementation of the two insurance combinations by the end of 2019.

Information map. A woman consults at the health insurance policy consultation desk. Wang Sizhe photo

Its not that five risks and one gold become four risks and one gold

Many people are concerned about whether the combination of maternity insurance and employee health insurance means the cancellation of maternity insurance and the transformation of five insurances and one fund into four insurances and one fund?

This is not the case. Yang Yansui, director of the employment and social security research center of Tsinghua University, analyzed to reporters that it was wrong to say that five insurances changed into four insurances, because the implementation of the combination of two insurances did not mean that two insurances were combined into one insurance, but that the combination of management and maternity insurance still existed. Each insurance type corresponds to different risks. With the states encouragement of childbearing, the risk of childbearing will face increasing pressure in the future, so the childbearing insurance needs to be retained.

Chen Jinfu, deputy director of the State Medical Security Bureau, explained that in the future, five insurances and one fund will become four insurances and one fund and birth insurance will be cancelled, which is actually a misunderstanding. There is no cancellation of birth insurance. This is the implementation of two insurance combinations at the management level.

In accordance with the above opinions of the general office of the State Council, we will promote the implementation of the two insurance mergers, and realize the simultaneous registration of insurance participants, the consolidated operation of funds, the consistent collection and payment management, the unified supervision and management, and the integration of handling services.

Data chart: RMB. Photographed by Li Jinlei, a reporter from China news.com

What are the changes in the payment of the unit and the employees?

After two insurance amalgamative implementation, what change does unit and worker pay cost meet?

For the unit, according to the sum of the payment proportion of maternity insurance and basic medical insurance of employees, the new basic medical insurance rate of employees of the employer is determined.

For individuals, they still dont need to pay maternity insurance premium, only need to pay medical insurance premium, and the payment proportion will not change.

For example, Ningxia stipulates that the employer shall pay 8.8% of the total wages of its employees on a monthly basis, and the employer shall withhold and remit 2% of the personal wages of its employees.

Will maternity insurance benefits for employees be reduced?

There are also concerns about whether the maternity insurance benefits enjoyed by employees will be reduced after the merger of the two insurances?

Not at all. The above opinions of the general office of the State Council clearly require that the maternity insurance benefits of employees during the childbearing period remain unchanged.

For employees, when they participate in the basic medical insurance of employees, they participate in the maternity insurance at the same time. The maternity insurance benefits during the childbearing period remain unchanged, but the maternity insurance fund is incorporated into the basic medical insurance fund of employees, and all the benefits of the maternity insurance are paid by the basic medical insurance fund of employees.

Chen Jinfu said that the original maternity insurance provisions of the maternity insurance treatment unchanged, only in the agency to change the channels of enjoyment, but did not change the coverage, did not change the maternity insurance set security projects and payment levels. With the development of society and economy, the birth guarantee will only get better and better, and will not decrease.

Data chart: social security card. Photographed by Li Jinlei, a reporter from China news.com

What is the use of male maternity insurance?

The reporter found that when it comes to maternity insurance, many people will ask a question: what is the use of male participation in maternity insurance?

In fact, maternity insurance only needs to be paid by the unit, no matter whether it is male or female employees, individuals do not need to pay.

For male employees, they can enjoy family planning operation cost and paternity leave by participating in maternity insurance, and their unemployed spouse may also benefit.

For example, according to the implementation plan for comprehensively promoting the combination of maternity insurance and basic medical insurance for employees in Shandong Province, if the unemployed spouse of male employees participating in maternity insurance has childbirth in line with the family planning policy and does not enjoy the treatment of maternity medical expenses, 50% of the standard of maternity medical expenses for employees stipulated by the local government shall enjoy the maternity subsidy. (end)

Source: responsible editor of China new Internet: Wang Xiaowu NF