What is "five insurances and one gold"

　　"Five insurances and one fund" refers to: endowment insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing accumulation fund.

　

　　(Note: The payment standards of "five insurances and one gold" in different places are not completely consistent)

　　How thin is "five insurances and one gold"?

　　On December 20th, the Ministry of Human Resources and Social Security announced that the 25th meeting of the 12th the National People’s Congress Standing Committee (NPCSC), which opened a few days ago, reviewed the Decision (Draft) on authorizing the State Council to temporarily adjust and implement the relevant provisions of the Social Insurance Law of People’s Republic of China (PRC) in the administrative areas of 12 pilot cities where maternity insurance and basic medical insurance were combined (hereinafter referred to as the Draft).

　　According to the Legal Evening News, on the morning of December 19th, entrusted by the State Council, Minister Yin Weimin of Ministry of Human Resources and Social Security explained the Draft. The draft stipulates that 12 places, such as Handan and Neijiang, will be used as pilots to temporarily incorporate maternity insurance funds into the collection and management of employees’ basic medical insurance funds.

　　Simply put, it is

　　Maternity insurance and basic medical insurance

　　This "two risks" have merged.

　　After the merger of the two insurances, the future will be four insurances and one gold.

　　People who participate in medical insurance can enjoy the treatment of maternity insurance.

　　12 pilot cities

　　Handan City in Hebei Province, Jinzhong City in Shanxi Province, Shenyang City in Liaoning Province, Taizhou City in Jiangsu Province, Hefei City in Anhui Province, Weihai City in Shandong Province, Zhengzhou City in Henan Province, Yueyang City in Hunan Province, Zhuhai City in Guangdong Province, Chongqing City, Neijiang City in Sichuan Province and Kunming City in Yunnan Province.

　　Implementation time

　　The pilot scheme is arranged by the State Council, and the implementation period is two years.

　　Why should we merge?

　　Yin Weimin, Minister of Ministry of Human Resources and Social Security, said that maternity insurance and basic medical insurance have something in common in medical services, especially in the payment of medical benefits, and the management services are basically the same. They implement a unified management system for designated medical institutions, unify the scope of medicines, diagnosis and treatment items and service facilities, and use the same information system platform.

　　Combining the two insurances meets the requirements of integrated operation of social insurance, which is conducive to improving the mutual assistance ability of social insurance funds, better enhancing the guarantee function of maternity insurance, improving the management efficiency of administrative and handling services, and reducing operating costs. It is a reform attempt to promote the establishment of a fairer and more sustainable social security system.

　　The salary you get has not changed much.

　　According to the Notice on Decreasing Social Insurance Rates in Phases previously issued by the Ministry of Human Resources and Social Security and the Ministry of Finance, the implementation of the merger of maternity insurance and basic medical insurance will be clarified, and will be organized and implemented uniformly after the relevant regulations are formulated and promulgated in the State Council.

　　Among them, industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay. Therefore, after the merger of maternity insurance and medical insurance, the total cost of personal deposit will not change, and the salary you get will naturally not change.

　　What are the benefits to us after the merger of the two insurances?

　　Personal aspect

　　First of all, the reimbursement process will be more simplified. In the past, medical and maternity reimbursement was not a system, and the hospitalization production expenses of female employees were generally settled by social security funds in real time, but the prenatal examination expenses needed to be reimbursed and settled separately after production. After the merger of the two, the prenatal examination expenses should be reimbursed together with the general medical expenses, usually once a year.

　　Second, the maternity check-up, delivery and related expenses can be reimbursed according to the medical insurance standard, which is higher than the current reimbursement amount according to maternity insurance.

　　Third, because maternity insurance is paid by the employer, for migrant workers, migrants and other people who can’t buy maternity insurance personally, as long as you buy medical insurance, you can also reimburse certain maternity expenses through social security.

　　On the part of employers

　　Every month, enterprises don’t have to pay maternity insurance, which reduces the social security premium paid by enterprises, and more funds will be invested in business activities, and the income will increase accordingly. It can be seen that this is another initiative of the state to encourage the development of enterprises. With more profits, their work will be more stable, and maybe the year-end award will increase.

　　Major events of "five insurances and one gold" and "slimming"

　　December 2015

　　At the central economic work conference, it was proposed to simplify and merge "five insurances and one gold"

　　March 2016

　　The published "Thirteenth Five-Year Plan" clearly puts forward that maternity insurance and basic medical insurance should be implemented together.

　　April 2016

　　On the 20th, the Ministry of Human Resources and Social Security and the Ministry of Finance jointly issued the Notice on Decreasing Social Insurance Rates in Phases. According to the Notice, the implementation of the merger of maternity insurance and basic medical insurance will be organized and implemented in a unified way after the relevant regulations are formulated and promulgated in the State Council.

　　December 2016

　　The 25th meeting of the 12th the National People’s Congress Standing Committee (NPCSC) reviewed the Decision (Draft) on authorizing the State Council to temporarily adjust and implement the relevant provisions of the Social Insurance Law of People’s Republic of China (PRC) in the administrative areas of 12 pilot cities where maternity insurance and basic medical insurance are combined (hereinafter referred to as the Draft). The draft stipulates that 12 places, such as Handan and Neijiang, will be used as pilots to temporarily incorporate maternity insurance funds into the collection and management of employees’ basic medical insurance funds.

　　On November 7th, the Emergency Management Department held a video dispatching meeting to discuss and judge the risk situation and deploy the safety prevention work in view of the recent frequent accidents in some industries and the safety risks brought by the new round of cold wave weather.

　　The meeting stressed that since the beginning of this year, the national safety production situation has been generally stable, but we should be soberly aware that the current situation is a "multi-phase superposition" of high-incidence accidents at the end of the year, peak energy supply, frequent disasters and weather, and local running-in period. Recently, gas explosions, warehouse fires, coal mine roof caving, road traffic and other accidents have occurred one after another in some places, and the safety situation is severe and complicated.

　　Meeting requirements,askAttach great importance to winter disaster prevention and relief. Consciously understand the characteristics of the cold wave involving a wide range and a long derivative chain, and fully carry out disaster prevention and relief work in conjunction with transportation, power supply, water supply, agriculture and other departments, strengthen the preparation of rescue forces and materials, ensure the smooth lifeline, and prevent casualties; Henan, Shanxi, Shaanxi and other areas with severe disasters in the early stage should pay close attention to the disaster relief work to ensure that everyone is safe and warm for the winter; We should conscientiously do a good job in ice prevention in northern rivers such as the Yellow River and Heilongjiang and drought relief in South China. Beijing-Tianjin-Hebei, Southwest China and South China should do a good job in forest fire prevention and extinguishing, especially in and around the Winter Olympics venues.askCoordinate energy supply and safety production. Strengthen the supervision of high-risk mines such as guaranteed coal mines, gas outburst and large shifts, resolutely stop the production with super capacity after the nuclear increase in production capacity, and severely crack down on illegal activities such as stopping underground mining and "resurgence"; Dangerous chemicals should be closely watched by key units such as oil and gas tank farms, LNG stations and long-distance pipelines, and the responsibility system of guarantee should be compacted and the whole chain should be strictly controlled.askPay close attention to recent accident-prone areas. In conjunction with the housing and construction departments, we will conduct a comprehensive investigation of the local gas pipeline network, pay close attention to rectifying outstanding hidden dangers such as pipeline pressure occupation and the use of unqualified stove and bottle valves, urge catering enterprises to install leakage alarm devices, and resolutely reverse the trend of frequent accidents; According to the characteristics of winter and epidemic prevention and control, we should deepen the management of fire safety hazards in key places such as commercial and residential mixed buildings and large complexes, and earnestly do a good job in the rectification of hidden dangers in key industries such as roads and water transportation, fishing vessels and construction. Recently, the the State Council Safety Committee Office sent a working group to conduct unannounced visits in key areas, urging all relevant departments and enterprises in various localities to implement the responsibility for production safety, strengthening the investigation of potential risks and resolutely curbing serious accidents.

　　The meeting demanded that emergency management departments and fire rescue teams at all levels should be highly alert to all kinds of risk problems in an extremely serious and responsible spirit, and find, report and dispose of them in time. It is necessary to arrange duty on duty, strictly implement the on-the-job shift system, and arrange business backbones to be on duty every day. It is necessary to strengthen emergency preparedness, maintain a state of emergency with quick response, improve the rescue ability of freezing rain and snow disasters, and pre-equip key places, important parts and major projects to deal with all kinds of accidents and disasters in a timely, efficient and safe manner.