Birth Insurance Policy Research In Our Country

The maternity insurance is one of a social insurance system that the states or thegovernment provide women workers with medical services, maternity allowance andmaternity leave when they lose the work ability during their pregnancy and childbirth.Maternity insurance is an important part of social security, it help to promote the femaleemployment, social and family stability, and promote the harmonious development ofsociety. The16th CPC National Congress proposed a developing goal of building aharmonious society, in which respecting for women, protecting the legitimate rights andinterests of women, improve the maternity insurance policy are important parts ofharmonious society.Maternity insurance ought to be borne by government initially, then it developed tobe borne by enterprises, and gradually developed to government, corporate, personalshared. In the reform process, The problem of the maternity insurance policy isincreasingly prominent. In addition, some enterprises often ignore the importance ofmaternity insurance, or even escape from the maternity insurance under the huge marketeconomic pressure, in order to reduce the burden and obtain the best interests. Therefore,it leads to some problems in the implementation of the maternity insurance policy.On the analysis of our country and the foreign country’s maternity insurance mode, Ianalysis it from the maternity insurance coverage, qualifications of the treatment,maternity insurance fund raising and distribution aspects, then summarize some referencefor our country. In addition, I summarize some policy problems and difficulties byanalyzing our country’s insurance policy evolution, I illustrate from the maternityinsurance legislation, coverage, fund collection, payment, policies supervision and so on.In the current economic conditions, the government should play a leading role in theestablishment and improvement of maternity insurance policy.I propose that in order to solve these problems, the government has to take thefollowing measures to bear the responsibility of maternity insurance: First, thegovernment should take the responsibility of the laws making in the maternity insurancepolicy. Second, the government should take the responsibility of the coverage expandingof maternity insurance policy. Third, the government should take the finance responsibilityin maternity insurance policy implementation. Forth, the government should take theresponsibility of play a leading role in the supervision of the maternity insurance policy.Fifth, the government should take the responsibility of innovating the maternity insurancepolicy. Sixth, the government should take the relevant responsibility for the maternityinsurance policy.