Will maternity insurance benefits be affected by the merger of maternity and health insurance?

For those who pay insurance, the merger of maternity insurance and basic employee health insurance will not produce any change in the number of insurance claims or how much you pay.

So there's no need to worry about money, the percentage of maternity insurance won't change, and neither will how much you get. Of course, if maternity insurance is adjusted, it will still change, but it has absolutely nothing to do with this merger.

Of course, there are still benefits for everyone in this matter.

There are two main points, the first one is the harmonization. On this point you have to understand that all our insurance is kept in a specific fund, which of course you can call an account. In the past, medical insurance and maternity insurance belonged to two separate funds, so even if you did your business in one place, you had to go through a special window, which was completely unnecessary. Moreover, some companies used to be able to skip maternity insurance, but when they were merged, they had to pay together, which also protected some of my friends' rights and interests.

The second point is that hospitals have less trouble when giving birth. When maternity and medical insurance are merged, the mother's spending at the hospital will take the form of one and the same catalog, which will make everything clearly visible and there is no need to categorize it. Although the two advantages are not that big for those who use the insurance, it makes a lot of sense from an administrative point of view.

When two funds are combined into one, management costs are better controlled.

It is not difficult to understand that medical and maternity insurance are in two funds, which requires more manpower to manage. So, considering the administrative costs, the two funds were merged into one fund. Wouldn't this require less manpower? Wouldn't this reduce administrative costs? Originally, both maternity insurance and medical insurance are actually welfare in nature, and because of this, cost control is essential.

And, because of cost control, in the case of manpower reduction, efficiency can be improved, and this aspect from the management point of view, as well as the point of view of the user, has a very positive significance.

Additionally, for businesses, the 1.25% rate can be saved

1.25% is not a saving for many businesses, and it's not a lot of money. But for large and medium-sized companies that are labor-intensive, the savings can be substantial. And if that money is spent on employee benefits, even a few more hours of air conditioning in the summer would be nice.

So all in all, after merging the two, firstly, there is no negative reaction, in fact, in 2017, there have been 12 cities piloted, and no problems have occurred; secondly, there is indeed a positive promotion, especially in the management cost savings; and finally, the impact on the individual is relatively small, and there are also only positive, you do not have to worry.