What are the requirements for applying for maternity insurance?

The conditions for applying for maternity insurance are as follows:

1, and the time to pay maternity insurance reaches 1 year or above;

2. At the time of childbirth, the payment status of maternity insurance is normal and uninterrupted;

3. Comply with national family planning regulations. To participate in maternity insurance, the company must participate and then buy it for employees. Workers can only pay maternity insurance in the employer. Once an employee leaves his job, the employer has no obligation to pay social security for him, so the maternity insurance will be interrupted.

Maternity insurance reimbursement process is as follows:

1, maternity insurance coverage due to emergencies, first aid (including business trip, visiting relatives, taking time off, etc. ) in the overall planning area or non designated medical institutions, the employer or its insured shall call the medical insurance agency to report within 3 working days;

2, the medical expenses incurred by the medical insurance agency for examination and approval, paid by the insured;

3. Within 90 days after discharge, bring relevant information to the medical insurance agency for compensation according to relevant regulations. The hospital level of medical treatment in non-designated medical institutions outside the overall planning area needs to be clear, and the level cannot be determined as a first-class hospital reimbursement.

To sum up, women can only receive maternity allowance if they have paid social security continuously for 9 months before delivery and 12 months after delivery.

Legal basis:

Article 56 of People's Republic of China (PRC) Social Insurance Law

Workers in any of the following circumstances can enjoy maternity allowance in accordance with state regulations:

(1) Female employees enjoy maternity leave;

(2) Enjoy family planning operation leave;

(3) Other circumstances stipulated by laws and regulations.

Maternity allowance is calculated and paid according to the average monthly salary of employees in the previous year of the employer.