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New Social Security Reform: Maternity Insurance and Medicare Merge

Social security includes medical insurance, maternity insurance, unemployment insurance, work injury insurance and pension insurance, of which medical insurance is the part of the medical fee that the state bears for the workers when they go to the doctor to alleviate the economic losses of the workers, and the maternity insurance is the maternity allowance and medical insurance that the state gives to the workers when they interrupt their labor due to pregnancy and childbirth. Just yesterday, the State Council issued a new social security reform, that is, the merger of maternity insurance and medical insurance, does it mean that "five insurance and one gold" to "four insurance and one gold"? I've got the latest news for you.

One, before the end of this year to achieve the implementation of the two insurance merger

March 25, the General Office of the State Council announced the "comprehensively promote the implementation of maternity insurance and employee basic medical insurance merger opinion", to promote the implementation of the two insurance merger to achieve the synchronization of insurance registration, the fund merger, the collection and management of the same supervision and management unity, the handling of the service. The combined implementation of the two insurances will be realized by the end of 2019. For active employees, the biggest change is that they participate in maternity insurance at the same time as they participate in employee medical insurance. The maternity insurance fund is integrated into the employees' basic medical insurance fund, with unified levies and contributions and the same level of coordination. Maternity insurance benefits will be paid by the Employee Basic Medical Insurance Fund. With the issuance of the notice, the merger of maternity insurance and medical insurance from the pilot will be fully expanded to the whole country. 2017, Chongqing and other 12 cities to start the two insurance merger implementation pilot.

Two, why maternity insurance and medical insurance to merge?

The relevant person said, maternity insurance and medical insurance protection object and scope have some overlap, birth in some medical behavior, after the merger implementation, unified collection and handling, maternity insurance do not need to set up a set of independent audit review system, is conducive to improve the efficiency of the handling, reduce the management of operating costs, enhance the fund's ability to help each other. Pilot situation has also verified the effect of the merger: 12 cities of the fund *** relief ability, balance ability is much stronger than the non-pilot cities; conducive to the expansion of participation, units and employees as long as the employees' medical insurance, will certainly enjoy the maternity insurance treatment; maternity insurance operation and management, service capacity has been greatly improved.

Three, five insurance later became four insurance?

In the future, "five insurance and one gold" into "four insurance and one gold", "maternity insurance canceled", this is actually a misunderstanding. Maternity insurance does not exist to cancel the problem, not canceled. It is a management-level merger of the two insurances. The above opinion puts forward "following the general idea of retaining the insurance type, protecting the treatment, unifying the management and reducing the cost, and promoting the merged implementation of the two insurances". Industry experts analyze, "five insurance" into "four insurance" is wrong, because the implementation of the two insurance merger does not mean that the two types of insurance merged into one, but rather the merger of the management, maternity insurance still exists. Each type of insurance corresponds to a different risk, with the country to encourage childbirth, the risk of childbirth in the future face increased pressure, so the maternity insurance still need to be retained.

Four, maternity insurance treatment will be affected?

"Will not affect in the slightest." The relevant person said, the original maternity insurance provisions of the maternity insurance treatment remains unchanged, only in the handling of the change in the enjoyment of the channel, but did not change the scope of participation, did not change the maternity insurance set up to protect the project and the level of payment. With the development of society and the economy, maternity protection will only get better and better, and will not be reduced. The above opinions also clearly require ensuring that the maternity insurance benefits for employees during childbirth remain unchanged. Maternity insurance benefits include maternity medical expenses and maternity allowances as stipulated in the Law of the People's Republic of China on Social Insurance, with the funds required being paid from the basic medical insurance fund for employees. The duration of the maternity allowance is paid in accordance with the duration of maternity leave as stipulated in the Special Provisions on the Labor Protection of Female Employees and Workers and other laws and regulations.

V. Will there be a change in the contribution ratio?

According to the opinion, according to the employer to participate in the maternity insurance and the basic medical insurance of employees and the sum of the contribution ratio to determine the new employer basic medical insurance premiums for employees, individuals do not pay maternity insurance premiums. For individual employees, they still do not have to pay maternity insurance premiums, and only need to pay medical insurance premiums, and there will be no change in the contribution ratio.

Six, what is the impact on the enterprise?

In the view of the experts, the two insurance merger implementation of the handling, more convenient for enterprises to participate in the registration, the employer will not have to fill out a form, but also less of a participation in the payment of fees to reduce the hassle of the procedures, will reduce the burden of the employer affairs.

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