It is not that there is no maternity insurance, but that maternity insurance and medical insurance have merged. Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.
Impact of the merger:
1, convenient for reimbursement; The biggest impact after the merger is that reimbursement will be more convenient in the future. Before the merger, generally speaking, they were reported separately. Maternity insurance is responsible for reimbursing the money for having children, and medical insurance reimburses the money spent on seeing a doctor. It looks simple, but the actual operation is more troublesome.
It will be much more convenient after the merger. No need to run errands, just one card. Just like seeing a doctor at ordinary times, you can directly use the medical insurance card to settle the maternity-related reimbursement.
2. More people benefit; Generally speaking, to work in a company, you have to pay five insurances and one gold, but some companies are not standardized. In order to save money or be afraid of trouble, you can not pay maternity insurance. After the merger, the companies should pay maternity insurance together. After all, the ability to collect medical insurance is relatively strong;
3. The treatment and payment ratio remain unchanged; According to the regulations, the maternity insurance benefits stipulated in the original maternity insurance will remain unchanged after the merger, but the channels will be changed when handling, such as the items that need protection, the level of reimbursement, the payment of maternity allowance, the duration of maternity leave, etc., which are completely unaffected. For individuals, there is still no need to pay maternity insurance, only medical insurance, and the payment ratio will not change.
To sum up, the old-age insurance, industrial injury insurance and unemployment insurance in the five insurances are social security obligations, while medical insurance and maternity insurance are medical insurance obligations, so maternity insurance and medical insurance cannot be found in social security. If you find that you can't find maternity insurance and medical insurance in social security, don't worry. This is because social security and medical insurance have not yet been fully integrated. With the gradual improvement of the system, they will be integrated together, so that you can find five insurances in social security in the future.
Legal basis:
Article 53 of the Social Insurance Law of People's Republic of China (PRC)
Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, and employees shall not pay maternity insurance premiums.
Article 54
The employer has paid maternity insurance, and its employees enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund. Maternity insurance benefits include maternity medical expenses and maternity allowance.