2011-2019年广西生育保险基金运行状况分析

Implementation of Guangxi maternity insurance fund system from 2011 to 2019

目的分析2011~2019年广西生育保险基金的运行现状。方法对2011~2019年广西生育保险参保覆盖范围、基金收支及费用分布情况之间的差异进行横向和纵向比较。了解生育保险存在的问题,为推进生育保险与职工基本医疗保险合并实施提供参考意见。结果 (1)2011~2019年广西生育保险参保人数逐年增长,年均增长率为6.58%。(2)2011~2019年广西全区生育保险待遇享受人次、生育津贴待遇享受人次与生育保险医疗待遇享受人次呈整体增长趋势,年均增长率分别为21.59%、13.73%、17.05%。(3)生育保险基金收入和支出整体呈上升态势,基金结余率呈下降趋势,2017年和2018年当期结余出现负值,分别为-4.42亿元、-0.95亿元。(4)2011~2019年广西女职工生育医疗费用和女职工生育津贴呈现增长趋势,年均增长率分别为30.29%、30.51%。女职工生育津贴占基金支出比例从2011年的62.87%增加至2019年的73.57%,增加了10.70个百分点。结论“两险”合并前广西生育保险面临参保覆盖面有限、基金收不抵支、待遇差异大等问题,建议探索建立“两险”合并后的费率动态调整和风险预警等机制,推动广西“两险”合并的顺利实施。

Objective To analyze the implementation status of Guangxi maternity insurance fund system from 2011 to 2019.Methods The coverage of Guangxi maternity insurance system,revenues and expenditures of the fund,and payment constitution from 2011 to 2019 were compared horizontally and longitudinally.To investigate the existing problems in maternity insurance system so as to put forward some reference suggestions for promoting the implementation of combination of maternity insurance system and basic medical insurance system for employees.Results(1)From 2011 to 2019 the number of people who participated in maternity insurance system in Guangxi increased year by year,with an average annual growth rate of 6.58%.(2)During 2011 and 2019,the cases eligible for maternity insurance benefits throughout Guangxi,the cases enjoying maternity allowance,and the cases enjoying the insurance benefits related to maternity medical expenses were on the rise overall,presenting the average annual growth rates of 21.59%,13.73%and 17.05%,respectively.(3)The incomes and expenditures of the maternity insurance fund showed an upward trend overall,while the balance rate of the fund appeared a downtrend.Negative values were observed in the balance in 2017 and 2018,which were-442 million yuan and-95 million yuan,respectively.(4)During 2011 and 2019 the maternity medical expenses and maternity allowance for female employees in Guangxi were on the rise,with the average annual growth rates of 30.29%and 30.51%,respectively.In female employees the proportion of maternity allowance to expenditures of the fund increased from 62.87%in 2011 to 73.57%in 2019 by 10.70 percent.Conclusion Before the combination of maternity insurance system and basic medical insurance system for employees("Two Insurances"),maternity insurance in Guangxi faces several problems,such as finite coverage of the insurance,fund deficit,and great difference in benefits and allowance.It is suggested that,in order to promote the successful implementation of the combination of"Two Insurances"in Guangxi,an exploration should be conducted to establish the mechanism of dynamically adjusting the premium and rate and an early warning mechanism after the combination of"Two Insurances".