住院生娃“零自付”？生育保险新政“暖”举措切实惠民生

Core Insights - Various regions are enhancing fertility support policies and incentive mechanisms to promote full coverage of maternity medical expenses, aiming for a "zero out-of-pocket" goal for childbirth [1][2] Group 1: Policy Implementation - In September, Yueyang, Hunan, initiated a pilot program for fixed payment of maternity insurance hospital expenses, selecting 23 quality maternity institutions [1] - As of November 17, 126 pregnant women in Yueyang have benefited from the "zero out-of-pocket" service, with a total medical fee of 4514.5 yuan, where the insurance fund covered 4000 yuan [1] - The pilot program allows female employees participating in maternity insurance to sign service agreements with selected institutions to enjoy fixed payment benefits without a deductible [1] Group 2: Risk Assessment and Sustainability - To ensure the effective implementation of the "zero out-of-pocket" policy, strict pregnancy risk assessments and adherence to treatment norms are enforced at pilot institutions [2] - The Yueyang Medical Insurance Bureau conducted multiple fund pressure tests and established an annual dynamic adjustment mechanism to optimize payment standards based on actual fund operations and medical service cost changes [2] Group 3: Expansion of Coverage - In Changchun, Jilin, the coverage of maternity insurance has been extended to flexible employment workers, allowing them to enjoy the same maternity benefits as regular employees starting November 1 [3] - The new policy alleviates the financial burden on families by covering maternity medical expenses and introducing reimbursement for prenatal check-ups [3] Group 4: Streamlined Application Process - Changchun has improved the application process for maternity benefits by integrating the claims process into the hospital discharge settlement, enabling a one-stop service [4] Group 5: Newborn Registration and Benefits - Yunnan has launched a "one-stop" system for newborn registration, allowing parents to complete multiple tasks, including household registration and social security card applications, with a single submission [5] - The system significantly reduces the time and cost for parents, ensuring that newborns can enjoy medical insurance from birth if parents pay the premium within 90 days [6] - Yunnan has also expedited the direct disbursement of maternity allowances to individuals, reducing the processing time to within six working days [6]