Can self-employed people pay maternity insurance for reimbursement?

Some places stipulate that maternity insurance can be reimbursed by itself, and some places stipulate that it must be reimbursed by the unit. The reimbursed money is credited to the unit account, and the unit then sends it to the individual. You can consult the local social security bureau for details. However, whether it is personal reimbursement or unit reimbursement, it will not affect the total treatment of reimbursement.

Individuals cannot pay maternity insurance. The only types of insurance that individuals can pay are pension and medical \ critical illness insurance. There are only two ways to enjoy maternity insurance. First, the affiliated company pays, which is calculated to the affiliated company according to the actual payment amount every month. But the company can't just insure you with one insurance. You need to pay five insurances together. Now the five fees are merged. According to our calculation, the unit needs five insurances of more than 400 yuan per month, which is the minimum base. You have to pay 1 year to enjoy maternity insurance. You don't have to be affiliated with the company, you can be a licensed self-employed person or something. Second, if your husband's company pays insurance. It can be enjoyed by the spouse, but only the expenses arising from childbirth are reimbursed. Monthly maternity wage allowance. At present, it is not known whether this policy is enjoyed equally in the whole country. The insurance law has such a provision. It depends on whether all localities have implemented it. I think you'd better ask your friends around you! It is illegal for the unit not to pay this. Now there are provisions in the labor law. These five risks have been integrated. There are also maternity insurance companies, which don't need much money every month.

Maternity insurance includes maternity medical expenses and maternity allowance. The reimbursement conditions are as follows:

1. When giving birth, the employer has paid maternity insurance for the producer for more than one year;

2. Fertility conforms to the family planning policy; At present, China implements the three-child policy, which conforms to the three-child policy;

3. If a pregnant woman does not participate in maternity insurance, and her husband participates in maternity insurance, and meets the above two conditions, the pregnant woman can use her husband's maternity insurance for reimbursement. According to the relevant laws and regulations, if the employer has paid maternity insurance premiums, its employees will enjoy maternity insurance benefits; If an employee is unemployed, his spouse shall enjoy the treatment of maternity medical expenses in accordance with state regulations.

Legal basis:

Population and family planning law of the peoples Republic of China

Twenty-fifth couples who have children in accordance with laws and regulations can get extended maternity leave or other welfare benefits. Article 7 of the "Special Provisions on Labor Protection of Female Employees" allows female employees to enjoy 98 days of maternity leave, including 15 days before delivery; In case of dystocia, maternity leave shall be increased 15 days; For multiple births, the maternity leave can be increased by 1 5 days for each additional child. Female employees who miscarry less than 4 months after pregnancy are entitled to 15 days maternity leave; Abortion after 4 months of pregnancy is entitled to 42 days of maternity leave.

People's Republic of China (PRC) social insurance law

Fifty-third employees should participate in maternity insurance, the employer should pay maternity insurance premiums in accordance with state regulations, and employees do not pay maternity insurance premiums. Fifty-fourth employers have paid maternity insurance premiums, and their employees enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund. Maternity insurance benefits include maternity medical expenses and maternity allowance. Fifty-fifth maternity medical expenses include the following:

(1) Maternity medical expenses;

(two) family planning medical expenses;

(3) Other project expenses stipulated by laws and regulations.

Fifty-sixth employees 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.