明年生育保险向灵活就业人员大力扩围

Core Insights - The development of maternity insurance and long-term care insurance is being promoted, with a new round of expansion and upgrades to the maternity insurance system underway [1] - By 2026, the coverage of maternity insurance will be extended to include flexible employment workers, migrant workers, and new employment forms, allowing these groups to enjoy benefits such as prenatal check-ups and postpartum maternity allowances [1][3] - In 2024, the number of participants in maternity insurance is expected to reach 252.9952 million, an increase of 3.9638 million from the previous year, representing a growth of 1.6% [1][2] - The total number of individuals enjoying maternity insurance benefits from 2020 to 2024 is 107.82 million [2] Group 1: Maternity Insurance Coverage - The current maternity insurance system primarily covers enterprise employees, with employers responsible for contributions, while employees do not contribute [2] - Maternity insurance benefits include reimbursement for medical expenses related to childbirth and maternity allowances during maternity leave, with the average maternity allowance exceeding 26,000 yuan in 2024 [2] - The National Medical Insurance Bureau is steadily expanding the coverage of maternity insurance during the 14th Five-Year Plan, with the goal of reaching 255 million insured individuals nationwide [3] Group 2: Policy Developments and Future Goals - Several regions, including Jiangxi, Zhejiang, and Shanghai, have begun exploring better protection for the maternity rights of flexible employment workers [4] - The National Medical Insurance Bureau aims to achieve "no out-of-pocket" expenses for childbirth nationwide, with seven provinces already implementing this policy [4] - By 2025, all provinces and regions are expected to include eligible assisted reproductive projects in medical insurance coverage [4]