Study On The Status Quo And Sustainability Of The Merger Of Maternity Insurance And Basic Medical Insurance For Staff

The National "Thirteenth Five-Year Plan" outline and the task of "combining maternity insurance and basic medical insurance" in the overall deepening of the reform task of the central government.On January 19,2017,the General Office of the State Council,the Notice on the Pilot Program for the Implementation of the Merger Insurance and the Basic Medical Insurance for the Employees,proposed to carry out maternity insurance in 12 cities including Handan City,Hebei Province.Piloting with the implementation of basic medical insurance for employees(hereinafter referred to as “the merger of two insurances”),the pilot will be launched before the end of June2017,and the pilot period is about one year.The core content of the pilot mainly includes “four unifications and one constant”,namely,unified enrollment registration,unified fund collection and management,unified medical service management,unified handling and information services,and the same period of maternity insurance benefits during the period of childbirth.At present,the implementation of the merger of maternity insurance and basic medical insurance for employees has been carried out for more than a year.This study will take the implementation of the two insurance mergers as the research object.On the basis of explaining the related concepts of maternity insurance,basic medical insurance for employees and the merger of the two insurances and related theories,this paper introduces the implementation of the merger of the two insurances in China,and Take T City as an example to introduce the development history,main practices and characteristics of the two insurances,the results achieved and the problems.And use the relevant hypothesis to construct an actuarial model to predict the income and expenditure and balance operation of the new basic medical insurance pooling fund after the implementation of the merger of the two cities in the future,and analyze the sustainability of the fund under the different merger implementation scenarios.Happening.Based on the problems existing in the merger and implementation of the two risks and the results of the fund calculation,this study proposes relevant countermeasures to promote the merger and implementation of the two risks,including: optimizing the implementation path of the merger of the two risks,fully evaluating the implementation effect of the merger of the two risks,and improving the fund pooling system.To strengthen the dynamic adjustment of the rate,further merge the maternity insurance benefits program,optimize the maternity insurance and the basic medical insurance payment methods for employees.