How much does maternity insurance reimburse?

1, normal delivery: 2700 yuan for first-level hospitals; 2900 yuan for second-level hospitals; 3000 yuan for third-level hospitals.

2, Cesarean section: 3,800 yuan for first-level hospitals; 4,200 yuan for second-level hospitals; 4,400 yuan for third-level hospitals.

2But to enjoy maternity insurance is also a prerequisite, although the policy is not the same everywhere, but basically these two conditions:

One, continuous payment of maternity insurance for one year;

Two, enjoy the maternity benefits are still paying maternity insurance.

Legal basis: Article 53 of the Law of the People's Republic of China on Social Insurance: Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with the state regulations, and employees shall not pay maternity insurance premiums.

Article 54: If the employer has paid maternity insurance premiums, its employees shall enjoy maternity insurance benefits; the employee's unemployed spouse shall enjoy maternity medical expenses in accordance with State regulations.

The necessary funds are paid from the Maternity Insurance Fund. Maternity insurance benefits include maternity medical expenses and maternity allowances.

The maternity allowance is the living expenses provided by state laws and regulations for those women in the workplace during the period when they are away from work due to childbirth. It is calculated based on the average monthly salary per person in the organization, and the formula is: Maternity Allowance = (Monthly Salary/30)*Number of Days of Maternity Leave.

And, the maternity allowance is not only for female workers, but also for male workers. If both husband and wife pay maternity insurance, then men can apply for nursing leave allowance; if the man in the couple pays maternity insurance and the woman doesn't, the woman can also enjoy maternity and other benefits as a spouse, but can't receive the maternity allowance, while the man can still apply for nursing allowance. The specific policy, according to local regulations, you can check the local relevant documents on maternity insurance, or directly to the local social security bureau to consult.

Of course, you should also understand that maternity leave pay ≠ maternity allowance, because maternity allowance is a tax-exempt category. Specifically, the relationship between the two is as follows:

The unit pays the employee's salary during her maternity leave. The maternity allowance, on the other hand, is borne by the social security institution. However, the standard of maternity allowance payment is - on the higher, not on the lower.

Maternity allowance ≥ maternity leave wages, the enterprise does not have to repeat the payment of wages for employees.

Maternity allowance maternity leave wages, using the principle of higher, the employer needs to make up the difference to the individual.

Not everyone can receive maternity allowance, only the unit paid social security, which naturally includes maternity insurance, in the continuous payment of social security for 12 months, the employee will be able to apply for maternity allowance when giving birth.

However, there is a time limit for the declaration of maternity allowance, which should be applied for within one year after the birth or termination of pregnancy of a female worker. Of course, depending on the local policy, the shortest within 3 months, the longest within 18 months to submit the declaration materials. The specific required materials are: first, basic personal materials, such as ID card, social security card, bank card, etc.; second, baby-related materials, such as birth certificate, birth certificate, etc.; third, production proof materials, such as hospitalization invoices, medical certificates, discharge certificates, lists of hospitalization and production costs, etc. The materials are ready, some places need to be submitted to the social security department by the workers themselves, some just need to submit to the unit, the company will do it on behalf of the company.

If the material is submitted to the unit, the specific reporting process is: submit the material to the unit's human resources department - fill out the local "maternity allowance registration form", by both men and women unit seal --The female employee's unit submits the documents and forms to the social security department - the social security bureau transfers the funds to the unit, and the unit pays them to the employee when the funds arrive. If you are declaring on your own, you need to prepare yourself before giving birth, keep and collect the materials required by the social security department, and submit them on your own at the time of declaration.