Maternity insurance is a social insurance system in which the state and society provide timely living security and material assistance to working women who temporarily stop working due to maternity through national legislation. It mainly includes two items: one is maternity allowance; The second is reproductive medicine.
The purpose of establishing maternity insurance is to protect the health of working women in childbearing state, alleviate their economic difficulties caused by childbirth and ensure the continuation of labor reproduction. Maternity insurance not only refers to the compensation for the expenses of maternity operation and hospitalization of female employees through the establishment of social maternity fund, but also includes the compensation for the female employees who cannot get wage income because they are not engaged in labor during the prescribed maternity leave.
The Trial Measures for Maternity Insurance for Enterprise Employees stipulates that the proportion of maternity insurance premium shall be determined by the local people's government according to the number of family planning, maternity allowance and maternity medical expenses, and may be adjusted in time according to the expenses, but the maximum shall not exceed 1% of the total wages.
Unemployment insurance refers to the basic living expenses paid by unemployment insurance agencies to eligible unemployed people according to law, and it is a temporary compensation for unemployed people to lose their wage income during unemployment.
The purpose of unemployment insurance is to protect the basic needs of the unemployed. Unemployment insurance is paid from the unemployment insurance fund according to law.
Pension, also known as pension and retirement fee, is the most important social pension insurance treatment. That is to say, according to the relevant national documents, the monthly or lump-sum payment of insurance benefits in the form of money is the need to benefit the society and is mainly used to ensure the basic living needs of employees after retirement according to their contributions to society and their qualifications or retirement conditions. Pensions are accumulated and operated according to the principle of accumulation by the state, the collective and the individual. When people are in their prime of life, part of the wealth created is invested in pension plans to ensure a sense of security in their later years.