What are the benefits of incorporating maternity insurance into medical insurance?

Maternity insurance is a special medical expenditure in a specific period and a specific population. If maternity insurance is included in the basic medical insurance, all participants in the basic medical insurance can enjoy maternity insurance benefits, thus better expanding the coverage of maternity insurance.

After the merger, maternity insurance can basically achieve comprehensive coverage. In other words, maternity protection will become an integral part of the medical insurance system in the future, and medical insurance will become the main insurance, and maternity protection is similar to one of the compulsory additional insurances. As long as all kinds of people participate in medical insurance, they naturally get the rights related to maternity protection.

At the same time, bringing maternity insurance into medical insurance can effectively solve the overlap between maternity insurance and basic medical insurance. When handling a case, the human and social departments do not need to judge whether it belongs to maternity insurance or medical insurance, but only need to settle the reimbursement normally.

It is convenient for ordinary people, hospitals and social departments.

Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

"On-the-job employees should pay the housing accumulation fund in accordance with the regulations." Housing accumulation fund is a "payable" item, which is legally necessary, and paying it also means an obligation. ? [ 1]?

20 16 March 23rd "13th Five-Year Plan" outlines the implementation of maternity insurance and basic medical insurance in parallel. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one gold" will become "four insurances and one gold", medical insurance will be merged with maternity insurance, and some large enterprises will buy benefits for their employees, such as personal accident insurance and critical illness insurance. ? [2]

References:

Five insurances and one gold-Baidu Encyclopedia