While female produce physical fortune,they assume the duty of human reproduction.Bearing insurance is a favor and compensation society returns to female.The paper explains the characteristics of bearing insurance,its meaning and scale,and the difference from overseas.Also the paper describes the history of bearing insurance and foresees its future.Facing the challenges of WTO,we have to reform and improve the bearing insurance in China.Only to do so,we can enhance ourselves with time passing,and catch up with the world pace.