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.