Research On The Reform And Development Of China 's Maternity Insurance System

Under the background of our country's society entering the new normal of economy and the comprehensive two-child policy,this paper first analyzes the necessity and feasibility of the reform of the birth insurance system through the interpretation of the current situation of our country's maternity insurance.Combined with the pilot reform plan of pilot cities To explore the reform of China's maternity insurance system.Based on the literature review,theoretical analysis,comparative analysis and data analysis,this paper analyzes the necessity and feasibility of the reform of the maternity insurance system in our country by referring to the relevant literature and the relevant government documents,Pilot cities to carry out the merger of maternity insurance and basic medical insurance(referred to as: two insurance merger)the implementation of the pilot program were compared to analyze the results obtained in the pilot process and reflect the problems,with a focus on China's maternity insurance development trend Provide advice and initiatives.This paper argues that in the direction of maternity insurance reform should focus on improving the mechanism of maternity insurance funding and the reform of maternity insurance protection policy,including the improvement of the mechanism of raising employers and individuals to promote the integration of the obligation to pay,while the government to take subsidies and support;unified state organs Institutions and enterprises pay the level of maternity insurance premium rates;rationalize and adjust the payment base of maternity insurance;according to different age groups divided into different payment rates of maternity insurance;dynamically adjust the payment rate of maternity insurance;maternity insurance policy of protection reform Including: unified payment of maternity benefits deadline;unified standardize the payment of maternity medical expenses;standardize and adjust the preconditions for enjoying maternity insurance benefits;and gradually broaden the scope of maternity insurance coverage.