What are the benefits of incorporating maternity insurance into medical insurance? What will happen to the salary?

What are the benefits of incorporating maternity insurance into medical insurance? What will happen to the salary?

The "Draft Decision" drafted by Ministry of Human Resources and Social Security, Ministry of Finance and Health Planning Commission plans to take Chongqing, Neijiang, Kunming, Yueyang, Zhuhai, Zhengzhou, Weihai, Hefei, Taizhou, Shenyang, Handan and Jinzhong 12 as the pilot, and incorporate maternity insurance funds into the collection and management of employees' basic medical insurance funds. After the merger of the two insurances, the future will be four insurances and one gold. People who participate in medical insurance can enjoy maternity insurance benefits.

What are the benefits for people and enterprises when five risks are changed into four risks and maternity insurance is incorporated into medical insurance?

First, the official confirmation of maternity medical insurance merger

Qi Chuanjun, deputy secretary-general of the World Social Security Research Center of China Academy of Social Sciences, said that maternity insurance involves a relatively small range of people, and even if it is reimbursed by the medical insurance fund after the merger, it will not bring too much pressure to the medical insurance fund pool. And with the implementation of the comprehensive two-child policy, the maternity insurance policy may also face the threshold of adjustment. At this time, we can "kill two birds with one stone" to study and implement the merger of the two risks.

"More importantly, the nature of maternity insurance and basic medical insurance is similar to some extent. The management department has also crossed for many years before, and it is more convenient to coordinate management after the merger. " Qi Chuanjun introduced that at present, China's maternity insurance is managed by the human and social departments, and although the basic medical insurance previously belonged to the human and social departments and family planning departments, in August this year, Ministry of Human Resources and Social Security made it clear that more and more cities in China have bid farewell to the multi-head management of urban and rural medical insurance, and this system is gradually being unified into the management scope of the human and social departments. It is precisely because of this that maternity and basic medical insurance managed by the human and social departments have become the most promising breakthrough to realize the "five insurances" and "four insurances".

Second, what will the salary be like?

After the merger of the two insurances, the future will be four insurances and one gold. People who participate in medical insurance can enjoy maternity insurance benefits. In social insurance, all expenses are calculated based on the average annual salary of employees in the previous year (the first month's salary or the salary agreed in the labor contract is the payment base for new employees), and are paid by the unit and individual employees respectively.

The prescribed ratio is approximately:

Pension: 20% for the unit and 8% for the individual.

Unemployment: unit 2%, individual 1%.

Medical treatment: 6-4% for units and 2-4% for individuals.

Work injury: unit 1%, individual 0%.

Birth: unit 1%, individual 0%.

According to the Notice on Decreasing Social Insurance Rates by Stages issued by Ministry of Human Resources and Social Security and the Ministry of Finance, the implementation measures for the merger of maternity insurance and basic medical insurance will be clarified, and will be uniformly organized and implemented after the relevant regulations are formulated and promulgated in the State Council. According to media analysis, after the merger of the two insurances, the total personal deposit fee will not change, and it will remain at 2%, and the salary will naturally remain unchanged.

In some areas, the wages earned by lowering the individual contribution rate may increase.