Research On The Development Of Fertility Insurance For Rural Women

China's current economic development level and urban-rural dual structure determine that China's maternity insurance system guarantees that rural women are not included.For a long time,rural women in China can only rely on the "new rural cooperatives" to receive meager one-time fixed subsidies and special maternity subsidies.Compared with urban female employees,rural women cannot enjoy the payment of maternity medical expenses provided by maternity insurance.Benefits such as allowances,maternity benefits,and one-time birth allowances.The development of China's maternity security system should be based on the principles of fairness,efficiency and sustainability,and rural women should be included in the maternity security system to establish rural women's maternity insurance.This paper sorts out the historical evolution and current situation of rural women's maternity protection policy through literature review method,questionnaire survey method,qualitative and quantitative combination method and comparative analysis method,and finds out the problems existing in rural women's maternity protection through investigation.The experience of rural women's maternity insurance development in typical countries explores the establishment of fair and sustainable rural women's maternity insurance.Firstly,his paper introduces the research background,significance and content at home and abroad.In addition,through the experience of-three population peaks in China,the analysis of China's maternity insurance policy has experienced the stage of no family planning,the stage of family planning,and the implementation.The status quo of policy development in the family planning stage,from focusing on the population to paying attention to the quality stage of the population.At the same time,it analyzes the status quo of China's maternity protection legislation,the current status of'coverage,the status of employee maternity insurance,and the status of rural women's maternity protection;Investigating the maternity security level of rural women in HeChi City,there are a series of problems such as the backward income level of rural women,the lack of rural medical and health resources,the weak awareness of rural women's maternity insurance,and the low level of maternity protection.Secondly,the development of rural maternity insurance in typical foreign countries.The experience analyzes and sorts out the historical experience of rural birth insurance development in Singapore,Japan and India.It summarizes the importance of attaching importance to legislation,emphasizing government responsibility,expanding insurance coverage,improving fairness,and establishing farmers' mutual insurance groups.In addition,it is also compiled that the implementation of the rural maternity insurance system should be based on the principles of fairness,efficiency,responsibility sharing,and economic compatibility,and formulate long-,medium-,and short-term goals,respectively,for insurance coverage and fund raising methods.Research on fund management institutions,payment standards,and rural maternity insurance payment standards;finally,the corresponding recommendations are made from the government,society,and individuals.