What is the meaning of maternity insurance

Maternity insurance (maternity insurance) is a social insurance system in which the state passes legislation to provide medical services, maternity allowances and maternity leave by the state and society in the event of temporary interruption of labor by a woman worker who is pregnant and gives birth, and the state or society gives the necessary financial compensation and medical care to the worker who gives birth. China's maternity insurance treatment mainly includes two.

One is the maternity allowance, and the other is the maternity medical treatment. The Ministry of Human Resources and Social Security "Maternity Insurance Measures (Draft for Opinion)" from November 20, 2012 for public consultation. The opinion draft makes it clear that the maternity insurance treatment will no longer be limited to household registration, and the unit must pay the maternity fee if it does not pay the maternity insurance.

From May 1, 2016 onwards, localities should continue to implement the State Council's 2015 decision to reduce the average rate of industrial injury insurance premiums by 0.25 percentage points and the rate of maternity insurance premiums by 0.5 percentage points and related policies and regulations, to ensure that the policy is implemented in place. The combined implementation of maternity insurance and basic medical insurance will be uniformly organized and implemented after the State Council formulates and introduces the relevant regulations.?

On February 24, 2017, the Ministry of Human Resources and Social Security (MOHRSS) held a meeting on the pilot work of merging the implementation of maternity insurance and basic medical insurance, and planned to launch the work of merging the two insurances by the end of June 2017 in 12 pilot areas. The Ministry of Human Resources and Social Security emphasized that the merger of the two insurances is not simply to merge maternity insurance into medical insurance, but to retain their respective functions and achieve integrated operation and management.

In March 2019, the Opinions on Comprehensively Promoting the Merger and Implementation of Maternity Insurance and Employee Basic Medical Insurance issued by the General Office of the State Council, the merger of maternity insurance and employee basic medical insurance will be realized by the end of 2019, according to the Opinions on Comprehensively Promoting the Merger and Implementation of Maternity Insurance and Employee Basic Medical Insurance.

Main conditions

Employees enjoying maternity insurance benefits should have the following conditions at the same time:

1, the employer has paid social security for the employee for a certain period of time; policies vary from place to place, for example, Beijing requires nine consecutive months of social security payment, Guangzhou requires a total of one year of social security payment, and Shanghai requires that social security payment be made in the month of birth;

2, the record of enrollment has been applied for

3. Other conditions required by the local Human Resources and Social Security Bureau.