How soon can maternity insurance be reimbursed in Guangzhou in 2022?

As one of the four first-tier cities in China, Guangzhou is the first choice for many people who have just graduated to find a job or are planning to change jobs. Some people get married and have children after settling down for a long time. At this time, their monthly maternity insurance is also issued at this time.

As one of the four first-tier cities in China, Guangzhou is the first choice for many people who have just graduated to find a job or are planning to change jobs. Some people get married and have children after settling down for a long time. At this time, their monthly maternity insurance played a role at this time. Therefore, expectant mothers who are ready to give birth or are pregnant with their babies should keep this maternity insurance strategy and don't panic when they need to use it.

I. Reimbursement conditions

1. After paying maternity insurance in Guangzhou 1 year, during the period of enjoying maternity benefits, the employer shall continue to pay maternity insurance on time, and at the same time apply to the social security agency for maternity allowance from the month after the insured person gives birth or implements family planning surgery 1 year;

2. If the maternity insurance has been paid in Guangzhou for less than 12 months, then the employer needs to apply to the social security agency for maternity allowance within 1 year after the cumulative payment of 12 months;

3. During the period of enjoying maternity leave, if the employer goes out of business, its business license is revoked or revoked, and the insured person stops paying maternity insurance premiums and fails to pay maternity leave wages, he can apply for maternity allowance to the social security agency after the end of maternity leave or family planning operation leave 1 year.

Second, reimbursement of expenses.

1. Family planning operation fee

The maternity medical expenses incurred by the insured for medical treatment in accordance with the provisions of maternity insurance shall be settled by Guangzhou Medical Insurance Bureau and designated hospitals in accordance with the average quota standard of medical expenses for maternity and family planning operations;

2. Maternity medical expenses

(1) The medical expenses incurred by the insured workers in non-designated hospitals due to emergency reasons are within the scope of maternity insurance payment;

(2) medical expenses incurred in the birth or termination of pregnancy in different places after approval;

(3) Medical expenses incurred due to obstetric complications during maternity leave;

(four) other medical expenses that meet the requirements of maternity insurance;

(5) Inspection cost.

Third, the reimbursement standard

1. The maternity insurance fund pays the medical examination fees that meet the requirements according to the insured person's 300 yuan/sub-standard limit;

2 termination of pregnancy or the implementation of family planning surgery in accordance with the provisions of the outpatient medical expenses, paid by the maternity insurance fund in accordance with the standard of 50%;

3. Eligible maternity medical expenses incurred by the insured during hospitalization shall be paid by the maternity insurance fund according to the proportion of 85% in the first-class hospital, 70% in the second-class hospital and 55% in the third-class hospital;

4. The payment limit of maternity insurance fund for outpatient and inpatient maternity medical expenses of unemployed spouses shall be implemented with reference to the corresponding quota standard of designated hospitals at the same level in Guangzhou.

When the insured person needs to apply for maternity insurance benefits, it is recommended to apply for maternity medical confirmation first, and then carry out subsequent maternity physical examination and childbirth, so that the maternity expenses can be reimbursed normally.