Feasibility Study On The Incorporation Of Maternity Insurance Into The Medical Insurance

Maternity insurance system in the country through legislation conditions for pregnancy and childbirth and other reproductive factors and interrupt the work of urban female workers, the state and society for its provision of necessary medical care, maternity benefits and maternity leave, helping them to continue to engage in recovery the ability to work on an early return to the labor positions of great significance. Currently, some provinces have introduced flexible employment to participate in medical insurance for urban workers can enjoy the same maternity insurance benefits, maternity insurance if further extension will be incorporated into the medical insurance, medical insurance you can rely on recognition and coverage for the majority of non-urban Women of childbearing age workers to provide flexible maternity protection. Meanwhile, in the run maternity insurance system has also exposed some problems: the coverage of maternity insurance system is narrow, the main target is the urban workers and institutions, lack of fairness; inadequate laws and regulations, enforcement is weak cause some companies to evade payment phenomenon, so that workers do not enjoy proper treatment; in addition, excessive maternity insurance fund balance, value preservation issues outstanding; the low level of protection and other benefits.This paper mainly built from Fairness medical insurance system incorporated maternity insurance system, the use of high medical insurance coverage and other advantages, will be incorporated into the health insurance maternity insurance, the establishment of a personal, business units and shared responsibility of the government to financial support to maternity protection system main sources of financing, different people can freely choose their own maternity insurance.First, we need to analyze the reproductive system and the introduction of maternity insurance system evolution, through the development of China’s current situation maternity insurance to find out the problems to be analyzed to identify cause of the problem. Meanwhile, more foreign birth insurance system, induction can learn from foreign experience.Secondly, the necessity of maternity insurance incorporated into health insurance, mainly from the maternity insurance and medical insurance association, incorporated in medical insurance for maternity insurance elaborate meaning.Then, on the feasibility of financial support incorporated health insurance maternity insurance system for analysis. Combined with the current level of China’s fertility policy and fertility, using logistics model number of times to receive treatment on fertility estimates, combined with personal growth average subsidy existing maternity insurance, the total amount of the subsidy is calculated maternity insurance fund over the next decade. After fiscal revenues prediction, draw maternity insurance fund expenditure accounted for the proportion of revenue, and the proportion of analysis.Finally, according to the full text summarized proposed to expand the coverage of maternity insurance, maternity insurance fund to strengthen the management and value preservation, improve the overall level of social maternity insurance fund to improve the level of fertility treatment and other payment countermeasures and suggestions.