Five insurances may become four insurances, and medical insurance and maternity insurance are expected to merge.
2065438+On February 23rd, 2008, the Report of the State Council on the Pilot Project of the Combination of Maternity Insurance and Employees' Basic Medical Insurance, which was submitted to the Seventh Session of the 13th the National People's Congress Standing Committee (NPCSC) for deliberation, pointed out that the pilot project of the combination of maternity insurance and employees' basic medical insurance has achieved positive results and has the conditions for comprehensive promotion.
In other words, starting from 20 19, the national social security will be changed from "five insurances and one gold" to "four insurances and one gold", and the original independent maternity insurance will be included in the medical insurance. Starting from 20 19, the five risks will also be "slimmed down"!
In fact, since 20 17, the state has carried out the pilot work of "changing five risks to four risks" in 12 cities. The pilot program clearly put forward the general idea of "insurance types, insurance benefits, unified management, cost reduction, and promoting the merger of the two insurances".
Five risks become four risks, will our social security benefits shrink?
"If maternity insurance is incorporated into medical insurance, is there no maternity insurance? Are we losing money? " Many friends will have such worries, but Dimension can clearly tell you that this is not the case. In the previous pilot cities, five risks changed into four risks, adhering to the principle that maternity insurance benefits remained unchanged during the maternity period of employees.
Moreover, bringing maternity insurance into medical insurance will not only make everyone suffer, but also increase the reimbursable expenses.
Because according to the current maternity insurance standard, the cost of prenatal examination can only be reimbursed 1.400 yuan, and the rest can only be borne by individuals. However, according to the standard of medical reimbursement, the part within the scope of medical insurance that cost more than 1800 yuan in that year can be reimbursed. In other words, as long as it exceeds 1800 yuan in the whole year, it is likely that the inspection fee+medical insurance fee will be reimbursed.
Although the specific details of expense reimbursement are still unknown, many pregnant and pregnant friends are already waiting for the new policy.
Will the salary be reduced after the five insurances are changed to four insurances?
Many friends asked again, "The company's payment standard has changed. Will our personal standards change? " ? Will it lead to a shrinking salary? "
According to media reports, in the pilot provinces and cities, after the adjustment of maternity insurance and medical insurance, the total contribution ratio of the two will decrease by 1.25%. Although there are no clear rules to explain whether it is paid by individuals or enterprises, but because maternity insurance was paid by enterprises before, individuals did not pay, combined with the previous downward adjustment of social security rates in various regions, we can draw the conclusion that this 1.25 percentage point is likely to be a decrease in the part paid by enterprises.
Therefore, from the perspective of wage deduction, after the merger of the two insurances, the total amount of personal deposits and expenditures is not expected to change and will remain at around 2%. Therefore, the salary you get will naturally not change.
"Five risks to lose weight" has become the gospel of individual social security payers.
According to the current payment principle of five insurances and one gold, maternity insurance is paid by enterprises. Therefore, only the insured of urban workers' social security can enjoy the maternity allowance and medical treatment in maternity insurance. However, the insured of social security for urban and rural residents and the new rural insurance may not enjoy the rights and interests of maternity insurance.
Now maternity insurance is incorporated into medical insurance, which probably means that as long as you participate in medical insurance, you can also participate in maternity insurance and enjoy maternity medical treatment.
Generally speaking, although the five risks have been reduced to four risks, we have not suffered a loss, which is also a good thing and has better safeguarded our rights and interests!