Institutional Dilemma, Intrinsic Logic and Realization Paths of Universal Maternity Insurance
Journal: Modern Economics & Management Forum DOI: 10.32629/memf.v7i2.5194
Abstract
This study employs the analytical framework of "dilemma-logic-path," aims to diagnose the systemic dilemmas of China's maternity insurance system and reveal the intrinsic logic and realization path of universal maternity insurance. China's maternity insurance system faces realistic dilemmas, such as limited coverage and object exclusion, insufficient benefit payment and fragile security, and imbalanced financing responsibilities and compulsory absence. The four logics of system integration, equal treatment, fair financing, and compulsory participation support each other, constituting the theoretical foundation of universal maternity insurance. Based on this, realization paths such as universal coverage, compulsory participation, family joint insurance, fair financing, benefit package design, and fund governance can be proposed. The research concludes that universal maternity insurance is an important policy tool for alleviating the situation of population aging and low birth rate and improving the level of social security.
Keywords
universal maternity insurance, institutional dilemma, intrinsic logic, path design
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[3] Cai Xiangdong, Wang Yang. The Construction Logic of the 'National Maternity Insurance System' in the Context of Low Birthrate and Population Aging [J]. Journal of Hezhou University, 2022, 38(4): 103-108.
[4] Li Zhen, Huang Wanding. Analysis of the Path to Achieving Universal Basic Medical Insurance Integration: A Perspective Based on Financing Levels [J]. Comparative Economic and Social Systems, 2017(06): 138-148.
[5] Wang Chaoqun. The Design of China's Universal Childbirth Security System and Its Financing Needs [J]. Social Security Review, 2024, 8(02): 135-147.
[6] Jin Xiaona. The Design and Vision of China's Childbirth Security System [J]. China Collective Economy, 2012(27): 189-190.
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