What's the use of maternity insurance?

Hello, landlord, what is the role of maternity insurance? In fact, the biggest role of maternity insurance is that female employees can be reimbursed for maternity insurance during their childbirth. To give a simple example, for example, as a female employee, she has been participating in maternity insurance normally until she is pregnant. In this case, she can enjoy the reimbursement of our maternity insurance normally. Maternity insurance reimbursement is divided into two aspects.

On the one hand, it is the reimbursement of operation expenses during childbirth, and on the other hand, it can get maternity allowance during maternity leave, so these two aspects can be obtained normally as our female employees themselves. If you didn't take maternity insurance 12 months before giving birth, or didn't meet the requirements of 12 months, you can't enjoy maternity insurance in this case.

Because of maternity insurance, insurance is also a prerequisite. Only by meeting the payment requirements of continuous 12 months before childbirth can you enjoy maternity insurance, reimbursement and maternity allowance. Then this maternity allowance can be received normally within six months of maternity leave, which is about 20 thousand yuan. In fact, this is not a small number. Therefore, you must participate normally before giving birth.

Hello, landlord, the role of maternity insurance, as the name implies, is mainly to enjoy relevant treatment during childbirth, so it is mainly aimed at female employees, and male employees also have a certain role, but the role of male employees is not as big as that of female employees. Then we still hope that female workers can participate in maternity insurance by themselves, so that they can enjoy maternity allowance in the future.

Maternity insurance can reimburse two aspects of treatment. The first aspect of treatment is the cost of surgery during childbirth, so the cost of surgery during childbirth, whether you go through natural delivery or caesarean section, is about 4,000 yuan to 6,000 yuan. At this level, no matter how much money you spend, you can only reimburse such a treatment. On the other hand, the treatment is maternity allowance, that is, you can get corresponding subsidies during maternity leave, about 3000 yuan per month. In the end, you can get a treatment of 20 thousand yuan.

Mainly to let female employees participate in maternity insurance. If female employees do not participate in maternity insurance, they will not be able to obtain reimbursement of maternity insurance and maternity allowance. However, you can reimburse the birth expenses through your lover, that is, the birth expenses can be reimbursed, so the level of reimbursement is relatively low, only about 3,000 yuan to 5,000 yuan, and you can't enjoy the treatment of birth allowance.

Medical expenses during childbirth can be reimbursed and maternity allowance can be received. Maternity insurance and employee medical insurance merged this year.

Maternity insurance is very useful! Maternity insurance can provide protection from the reimbursement of maternity medical expenses, the payment of wages during childbirth, and the enjoyment of extra-long maternity leave by pregnant women, which is the greatest role of maternity insurance.

As long as you/your company buys employee social security, then you or your other half can enjoy maternity insurance. Besides, you don't have to pay for this money yourself. The unit will pay about 1% of the salary for employees every month as the cost of maternity insurance. You can look at the payroll yourself.

We just said that the benefits provided by maternity insurance include three aspects;

So let's talk about it one by one.

Maternity reimbursement ① Maternity medical care actually costs a lot of money when the baby is born. As an old mother who gave birth to a second child, I have deep feelings about this. All kinds of ultrasound, laboratory tests and subsequent delivery cost a lot of money. Maternity insurance can reimburse me and save you a lot of money.

I found that different cities have different reimbursement forms for maternity medical expenses. Guangzhou is very convenient. As long as the maternity medical identity is confirmed in the Municipal Medical Insurance Bureau, the medical expenses for medical treatment shall be settled by the Municipal Medical Insurance Bureau and the hospital. It's easier this way

(2) maternity allowance maternity allowance is commonly known as maternity leave salary, but employees cannot enjoy maternity leave salary and maternity allowance at the same time.

This subsidy is mainly used to protect the basic needs of female employees during maternity leave. Paid by the maternity insurance fund, transferred to your own company, distributed by the company, or you can collect it at the social security outlets yourself.

The amount of maternity allowance = the average monthly salary of employees in the employer where the female employee works last year is 30 days of maternity leave (maternity leave+maternity leave).

Let's explain two concepts in the formula:

Maternity leave days: according to natural delivery, dystocia and abortion, the corresponding maternity leave days are different, and there will be slight differences in different regions.

The number of vacation days of Beishangguangsan Real Estate shows:

Note: Female employees who extend maternity leave through consultation with the employer are not entitled to maternity allowance.

You can calculate how much maternity allowance you can get according to the formula.

(3) Maternity leave Maternity leave is a legal holiday that can be taken when giving birth to a child (normal birth, spontaneous abortion, family planning operation).

Let's take a look at the maternity leave for giving birth in Shenzhen.

Not only women have maternity leave, but fathers also have paternity leave, also called paternity leave. During maternity leave, the man enjoys the right to care for each other for a certain period of time. In some areas, it is said that there is, but it is hard to say whether there is in the specific implementation.

But what I have learned is that Guangzhou stipulates:

As long as the enterprise pays maternity insurance to the man, eligible unemployed spouses of male workers can also enjoy maternity medical expenses;

The male spouse who receives the One-Child Preferential Card enjoys 10 day holiday, which is calculated according to the average salary of the unit in the previous year when the child is born.

Male spouse's holiday salary = the average payment salary of the unit (month) in the previous year is 30 (days) 10 (days).

What conditions do I need to meet to get maternity insurance?

I want to remind you that when you want to enjoy maternity insurance benefits, try not to resign, so as not to lead to social security payment and affect reimbursement.

If you have not paid maternity insurance 1 year, you can look at the special situation or check the corresponding form. It should be reminded that maternity allowance has no effect on overdue payment, but the proportion of reimbursement for maternity expenses will be less in some areas.

Therefore, I suggest that you still try to pay enough time.

I'm Dabai. Please pay attention to me ~ I just went to the social security hall to hand in the form this morning, and I can get 158 days of maternity allowance. Exquisite, tens of thousands Finally see the money back.

Generally speaking, maternity insurance can give you money, give you leave and reimburse you for medical expenses.

Maternity insurance includes reimbursement of maternity medical expenses, maternity leave and maternity allowance.

Reimbursement of medical expenses Maternity insurance is used to reimburse medical expenses in the production process and diseases caused by childbirth. This money can only be reimbursed by maternity insurance, and only medical insurance cannot be reimbursed.

Maternity leave is generally 90 days; If it is caesarean section, increase maternity leave 15 days; In case of multiple births, the maternity leave will be increased for each additional baby 15 days; Late childbirth, increase maternity leave by 60 days; Pregnant less than 2 months, maternity leave 15 days; If the abortion is over 2 months (including 2 months) but less than 4 months, the maternity leave is 30 days; Pregnant for more than 4 months (including 4 months), maternity leave is 42 days.

Maternity Allowance Maternity Allowance Your maternity leave salary is paid by maternity allowance.

This maternity allowance is directly given to you by the company and will not be deducted.

The payment period also requires maternity allowance. You need to pay maternity insurance for a certain month. Different cities have different policies. For details, please consult the social security hotline 12333.

So don't interrupt social security during pregnancy, otherwise it will affect the insurance of maternity medical expenses and the collection of maternity allowance.

How to reimburse birth check-up fee, delivery fee, operation fee, hospitalization fee and medicine fee? Due to pregnancy and childbirth, it can be reimbursed through maternity insurance.

1. The maternity insurance fund will pay the check-up fee during pregnancy in a fixed amount.

The reimbursement limit standard of each inspection fee ranges from 330 yuan to 1400 yuan. If the inspection fee is within the limit, it shall be reimbursed according to the actual expenditure; Exceed the limit standard, according to the limit standard reimbursement.

2. Medical expenses, hospitalization expenses, medicine expenses, etc. During the period of hospital delivery, the maternity insurance premium shall be paid in a fixed amount.

Take tertiary hospitals as an example:

3. Reimbursement by project

In view of the serious complications of hospital delivery, maternity insurance will fully reimburse medical expenses and hospitalization expenses.

No matter whether it is a natural delivery or a caesarean section, most medical expenses can be reimbursed when giving birth to a child.

Of course it works. It's all money

Tell me about yourself: 15 baby, because of maternity insurance, received more than 80,000 maternity allowance from social security bureau. Of course, how much you take is related to local policies. I coordinated Shanghai by multiplying the average salary declared by your company in the last fiscal year by your maternity leave time, with a ceiling of 3 times. This part is applied in the Social Security Bureau and directly hit your card. If your average personal salary is higher than the company average, the company will make up the difference. In addition, the company's welfare insurance, from the beginning of pregnancy to the cost of giving birth to a baby, our company can reimburse 8000 caps. This part depends on the welfare of your company.

Some pregnant women will have some risks during childbirth, and buying a maternity insurance can reduce the family economic losses caused by these problems.

There are also some problems that babies will have because of premature delivery or other reasons, and they can also be reimbursed through maternity insurance.

At present, the country has entered the era of "two children" in an all-round way, and many neighborhoods have doubts about maternity insurance: What is the role of monthly salary deduction? What benefits can maternity insurance enjoy? Today, I will tell you specifically:

Definition of maternity insurance

Maternity insurance is a social insurance system stipulated by national legislation, which provides timely material assistance by the state and society when the labor force is temporarily interrupted due to maternity. Maternity insurance benefits in China mainly include two items. One is maternity allowance, and the other is maternity medical care. Its purpose is to help working women recover their working ability and return to work by providing them with maternity allowance, medical services and maternity leave.

Significance and value of maternity insurance

The maternity insurance system is the maternity insurance system. Its contents include the scope of application of maternity insurance, the raising of maternity insurance fund, the standard of maternity insurance treatment, the qualification of enjoying maternity insurance treatment and the management, service and supervision of maternity insurance.

1, recognition of female reproductive value.

Women's childbearing is the need of social development. While carrying on the family line, they have also made efforts for the reproduction of social labor force and deserve social compensation. Therefore, protecting women's reproductive rights and interests is accepted by most countries and given policy support. At present, 135 countries in the world have passed legislation to protect women's legitimate rights and interests in childbirth.

2, the guarantee of the basic life of female workers.

Female employees leave their jobs during childbirth and cannot work normally. The state has formulated relevant policies to ensure that they enjoy relevant treatment when they leave their jobs. These include maternity allowance, medical services and special protection policies when you can't stick to your normal work during pregnancy. It has created favorable conditions for pregnant women to give birth smoothly in terms of living security and health security.

3. The need to improve the quality of the population.

Female reproductive energy consumption is high, which requires adequate rest and nutritional supplement. Maternity insurance provides them with a basic salary, so that their living standards will not be reduced because they leave their jobs. At the same time, provide them with medical services, including prenatal examination and perinatal health care guidance, to monitor the normal growth of the fetus.

For women who are sick or exposed to toxic and harmful substances during pregnancy, necessary examinations are carried out. If a deformed child is found, the pregnancy can be terminated as soon as possible. For women with abnormal phenomena during pregnancy, focus on protection and treatment. In order to protect the normal growth of the fetus and improve the quality of the population. Maternity insurance is one of the basic social security, which ensures that employees of enterprises get necessary economic compensation and medical security during childbirth.

Benefits provided by maternity insurance

Maternity insurance covers four aspects:

1. Maternity allowance;

Second, maternity medical expenses;

Three, family planning surgery medical expenses;

Four, other expenses stipulated by the state and the city.

Male workers should also pay maternity insurance. What's the use?

As a man, most people may have been confused about this. Now let me briefly talk about what is the use of men paying maternity insurance?

The state requires enterprises to pay maternity insurance for male employees. On the one hand, it is to let male employees enjoy maternity leave, so that men have time to pay for their families, rather than taking giving birth as a woman's own business. If the wife gives birth, the male can have paid maternity leave of 15 days, and can also reimburse the medical expenses for childbirth; If the wife of a male worker does not have maternity insurance, the benefits of maternity insurance can be transferred to him.

Second, it can promote gender equality and reduce female employment discrimination. Although compulsory education has been popularized in China and people's quality has been improved, there is still employment discrimination caused by women's childbirth in the workplace, which will bring certain losses to enterprises. The cost of maternity insurance is borne by enterprises, and both men and women can enjoy maternity leave by paying maternity insurance, which can solve the employment discrimination of most enterprises.

How much can male maternity insurance be reimbursed? The reimbursement policies of different cities are different, and the specific amount of money can be reimbursed according to the specific reimbursement policies. Let's take Chengdu as an example to calculate how much men can get.

1. Caesarean section, or caesarean section, you can get 1500 yuan.

2. In case of natural childbirth or spontaneous abortion, one-time subsidy 1000 yuan.

3. For multiple births, one more child plus 200 yuan, and so on.

Now we all know that maternity insurance for male sexual intercourse has these advantages. I especially remind everyone that maternity insurance must be paid continuously for one year, and it must not be stopped in the middle to enjoy the corresponding rights and interests.