Why the unit to pay only four insurance

Now some cities are trying to merge medical insurance and maternity insurance, into four insurance, but the real payment is actually still five insurance. The unit to buy social security, is currently five insurance: pension insurance, medical insurance, work injury insurance, unemployment insurance, maternity insurance, can not be missing, unless it is not purchased, otherwise it must be all bought.

Five insurance and one gold refers to the collective name of several kinds of security treatment given to workers by the employer, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and housing fund. Individual employees should contribute to the housing fund in accordance with the regulations, and the housing fund is an item that "should be paid", which legally means that it must be paid, and it is also an obligation to pay it.The 13th Five-Year Plan on March 23, 2016, proposed to Maternity insurance and basic medical insurance will be merged. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurance and one gold" may become "four insurance and one gold".

I. The concept of social security

Social insurance is one of the most important components of the social security system. Therefore, in discussing the history of social insurance can not be taken out of social security.

Social insurance is a system in which the state, through legislation, compels the establishment of a social insurance fund to give necessary material help to workers participating in labor relations in case of incapacity or unemployment. Social insurance is not for profit.

Social insurance is mainly through the mobilization of social insurance fund, and within a certain range of social insurance fund to implement the co-ordination of transfer to the workers encountered in the labor risk to give the necessary help, social insurance for workers to provide basic livelihood protection, as long as the workers meet the conditions to enjoy the social insurance, i.e., either with the employer to establish a labor relationship, or has been in accordance with the provisions of the payment of social insurance premiums, you can enjoy social insurance. As long as the worker meets the conditions for enjoying social insurance, i.e., either has established a labor relationship with the employer or has paid the required social insurance premiums, he or she will be entitled to social insurance. Social insurance is the core of the social security system.

Two, social security features

Feature 1: the objective basis of social insurance, is the risk that exists in the field of labor, the insurance target is the worker's person;

Feature 2: the main body of social insurance is specific. It includes workers (including their relatives) and employers;

Characteristic 3: Social insurance is compulsory;

Characteristic 4: The purpose of social insurance is to maintain the reproduction of the labor force;

Characteristic 5: The insurance fund is derived from the contributions of employers and workers and financial support. The scope of insurance objects is limited to workers, excluding other members of society. The scope of insurance content is limited to various risks in the labor risk, excluding other property, economic and other risks.

3. Functions of social security

1. Function of stabilizing social life

2. Function of redistribution

3. Function of promoting socio-economic development: Firstly, the social insurance system functions as an important tool for demand management, thus playing a positive role in the economy; secondly, the effective use of social insurance funds can promote the sustained economic prosperity; thirdly, the social insurance system becomes an enterprise for recruitment, which is the key to the development of the economy; and thirdly, the social insurance system is an important tool for the development of the economy. prosperity; the third is that social security becomes a basic condition for enterprises to recruit talents.

Legal basis

The Pilot Program for the Combined Implementation of Maternity Insurance and Employee Basic Medical Insurance

Third, contents of the pilot program

(a) Unified enrollment registration. Active employees who participate in the basic medical insurance for employees will synchronize their participation in maternity insurance. The implementation process should improve the scope of participation, combined with the universal insurance registration program to map the bottom line, and promote the realization of the insurance should be insured as much as possible.

(2) Unification of fund collection and management. The maternity insurance fund is integrated into the employees' basic medical insurance fund and unified collection. During the pilot period, the new employer-employee basic medical insurance premium rate can be determined according to the sum of the contribution ratios of the employers participating in maternity insurance and employee basic medical insurance, and individuals do not pay maternity insurance premiums. At the same time, a mechanism for determining and adjusting the basic medical insurance premium rates for employees is being established in accordance with the principle of balancing revenues and expenditures, based on the expenditures of the Employees' Basic Medical Insurance Fund and the demand for maternity benefits. The Employees' Basic Medical Insurance Fund is strictly enforcing the financial system of the Social Insurance Fund; co-ordination areas where the two types of insurance have been combined and implemented no longer have a separate income for the Maternity Insurance Fund, and have set up an expenditure item for maternity treatment within the expenditure of the Employees' Basic Medical Insurance Co-ordination Fund's treatment. It is exploring the establishment of a sound early-warning mechanism for fund risks, insisting on the public disclosure of the fund's income and expenditure operation, strengthening internal control, and reinforcing the fund's administrative and social supervision to ensure the safe operation of the fund.

(3) Unification of medical service management. After the merger of the two insurance implement unified designated medical service management. Medical insurance agencies and designated medical institutions to sign the relevant medical service agreement, maternity medical service requirements and indicators to be added to the content of the agreement, and make full use of the agreement management, strengthen the monitoring of maternity medical services. The drug catalogs of basic medical insurance for employees, workers' compensation insurance and maternity insurance, as well as the scope of diagnostic and therapeutic items and medical service facilities of basic medical insurance, are implemented. Maternity medical expenses are, in principle, settled directly between medical insurance agencies and designated medical institutions.

(4) Unification of administration and information services. After the merger of the two types of insurance, it is necessary to unify the administration and management and standardize the process of administration. Maternity insurance management is unified by the basic medical insurance agency responsible for the work of the financial budget at the same level. The medical insurance information system platform is fully utilized, and the integrated operation of the information system is implemented. The original maternity insurance medical fee settlement platform can be temporarily retained and integrated into the medical insurance settlement platform when conditions are ripe. Improve the statistical information system to ensure timely and accurate reflection of the situation of maternity treatment recipients, fund operation, and treatment payment.

(v) The maternity insurance treatment during the period when the employee gives birth remains unchanged. Maternity insurance treatment includes the maternity medical expenses and maternity allowance as stipulated in the Social Insurance Law of the People's Republic of China*** and the State, and the required funds are paid from the basic medical insurance fund of employees. The period of payment of the maternity allowance is in accordance with the period of maternity leave stipulated in laws and regulations such as the Special Provisions on the Labor Protection of Female Employees and Workers.