What are the benefits of combining maternity insurance with medical insurance?

1. After the merger of maternity insurance and medical insurance, the benefits that female employees should enjoy during the production period will not be reduced, but the means of medical reimbursement may change. In the past, medical treatment and maternity reimbursement did not follow the same system. The hospitalization production expenses of female employees were generally settled in real time by the social security fund, but the prenatal examination expenses needed to be reimbursed and settled separately after production. After the merger of the two, the prenatal examination expenses should be reimbursed together with the general medical expenses, usually once a year.

2. After adjustment, the total contribution ratio of maternity insurance and medical insurance will be reduced by 1.25%, so how much money can be saved in one year? Let's assume that a medium-sized enterprise with 500 employees has an average salary of 8,000 yuan/month, so it can pay 8,000× 500×1.25% = 50,000 yuan less a month, and it can save 600,000 yuan a year, which really lightens the burden for the enterprise.

3. After the merger of maternity insurance and medical insurance, the rate will be reduced by 1.25 percentage points. Although it is not clear whether it is personal payment or enterprise payment, because the proportion of individual payment is relatively low, combined with the previous situation of reducing social security rates in various regions, it can be concluded that this 1.25 percentage point is probably enterprise payment. Therefore, after the merger of the two insurances, the individual's total contribution fee will not change, and it will remain at 2%, and the salary will naturally not change.