Study on the Role of Maternity Insurance in Protecting Families under the "Three-child" Policy

Abstract

This paper analyzes the current situation of maternity insurance in the context of the three-child policy and finds that although the participation rate and coverage of maternity insurance have increased after the merger with employee medical insurance, there are still problems such as high pressure on the payment of maternity insurance fund, insufficient coverage of maternity insurance, inadequate maternity allowance system, and compensation standards that cannot meet actual needs. Therefore, in the context of China's current maternity situation and policies, this paper makes the following suggestions: to reduce the pressure of payment by expanding the number of potential participants such as the flexibly employed population, and to enrich the investment model of the fund to establish effective supervision of the "open source" method; to expand the time span of maternity insurance coverage, to include the preparation process of pregnancy in the scope of benefits, and to Extend the recovery period for the second trimester and raise the compensation standard; lower the threshold limit for receiving maternity allowance, and provide graded compensation according to the number of births of two and three children, while reformulating the maternity compensation standard according to the actual situation of the region. It is thus hoped that a complete protection system will be established to reduce the worries of maternity families in the process of pregnancy and childbirth and to fulfill the protection and uplifting functions of maternity insurance itself.