The Research Of Maternity Allowance Svstem

Maternity medical benefits and allowances are two aspects of the maternity treatment. In many foreign countries, maternity medical expense is merged into medical Insurance. In recent years, China is actively to solve workers’and non-salaried workers’maternity medical expenses issues. On one hand, workers’ maternity medical expenses issue is solved by the means of promoting maternity insurance and medical insurance together. On the other hand, non-salaried workers’ maternity medical expenses issue is solved in the new rural cooperative medical system and the urban resident basic medical insurance system. But for maternity allowance. China still lacks a reasonable system design on top-level. The current system has the following defects:the coverage of allowance is narrow, the methods of Collection and payment is confusion. Our country’s current system which is designed by different people is contrary to the International practice, resulting in the absence of fairness and efficiency.Based on China’s actual conditions and drawing on international experience, our research tries to re-plan and design maternity allowance system. We propose ideas, which is merging maternity health care cost into medical Insurance and setting up maternity allowance system independently. We establish actuarial models to estimate the number of recipients, the contribution rate of employers and financial expenditure. It turns out that in the next15years the number of non-working women of chiidbearing age almost twice the number of the working women of childbearing age. The large group of non-working women is neglected by the maternity insurance system. The employer contribution rate does not exceed0.2percent, which is far below the current policy requirements. The demand for funds of system accounts for the proportion of financial income remains at a low level, which is within the scope of financial feasibility. Therefore, our research concludes that our country completely has the ability to build the maternity allowance system currently. Maternity allowance system can effectively compensate for the absence of the current system. It should be a vital sub-program of moderately inclusive social welfare framework in China. We also suggest that the employers and the government should share the responsibility of maternity protection, and the treatment of maternity allowance should proceed from the basic view of security. The purpose of this paper is to provide ideas for a more scientific and reasonable maternity protection mechanism in the future.