Research On The Payment And Improvement Path Of Maternity Insurance Medical Treatment In City C Under The Background Of Low Fertility Rate

Giving birth is the foundation of human reproduction and the basis for the inheritance of human civilization.Without reproduction,there would be nothing for human beings.Ensuring reproduction is to protect human beings.The gestation period is long and hard.Not only may diseases occur during pregnancy and childbirth,but they may also face postpartum complications and postpartum labor interruptions after childbirth.In order to protect the basic rights and interests of women during childbirth and ensure the smooth progress of childbearing work,my country’s childbirth insurance system came into being.Since the establishment of the maternity insurance system,it has made great contributions to the cause of maternity in my country.However,with the development of the social economy,the quality requirements of the people for maternity medical services are improving.In comparison,the standard of maternity insurance medical treatment is relatively low.my country is in the special background of low fertility rate.At present,the country vigorously advocates optimizing the fertility policy,reducing the cost of the whole cycle of parenting and education,and fully opening the three-child policy.In this case,the adjustment of my country’s maternity insurance policy is lagging behind.highlight.Therefore,in order to further improve the maternity insurance policy and improve the payment level of maternity insurance medical benefits,this paper selects the 18-year maternity insurance medical benefits payment in City C from 2004 to 2021 as the research point,analyzes the existing problems,and proposes a perfect path.The study uses various methods including policy-text analysis,comparative analysis,descriptive statistics and other.Taking the maternity insurance policy,maternity insurance income and expenditure data in City C,and the actual problems of maternity female workers in maternity reimbursement as the research objects.There are problems in maternity insurance benefits policy and payment level.By analyzing income and expenditure,overall and individual payment issues,etc.,we draw conclusions such as insufficient financing of maternity insurance in City C,system fragmentation,lack of delay in policy adjustment,departmental segmentation,and regional segmentation.Finally,based on the principle of fairness and efficiency of social security,Leibinstein’s cost-utility theory and process reengineering theory,it is proposed to reform the social financing model,break down barriers,reasonably update and supplement existing policies,and carry out medical insurance process reengineering and other countermeasures to reduce the cost of childbirth,to promote fertility willingness.