Have maternity insurance and medical insurance merged?

Now that medical insurance and maternity insurance have merged, the five insurances of social security have been directly turned into four insurances. It should be reminded that the merger of maternity insurance and medical insurance does not mean that maternity insurance is gone, but merged with employee medical insurance. When paying, only one payment item of medical insurance is displayed, but when actually enjoying treatment and reimbursement, users can still make normal maternity reimbursement.

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After the merger of maternity insurance and medical insurance, the reimbursement process will be more simplified.

In the past, medical treatment and maternity reimbursement were not a system, so the hospitalization production expenses of female employees were generally settled in real time by the social security fund, 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.

legal ground

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.