Does maternity insurance belong to medical insurance?

Maternity insurance belongs to medical insurance.

Social insurance can be divided into five types, namely, endowment insurance, unemployment insurance, work injury insurance, maternity insurance and medical insurance. Therefore, maternity insurance and medical insurance are two different kinds of insurance. And if there is no maternity insurance at ordinary times, then there is definitely no maternity allowance. On the other hand, the expenses incurred in the hospital when giving birth to a child can be reimbursed according to the medical insurance benefits. At the same time, maternity insurance can only be the treatment that employees can participate in and enjoy, which means that only through your employer can you get this insurance.

What benefits does maternity insurance enjoy?

1. The basic living needs of female employees during maternity leave are maintained by maternity allowance. Female employees need to apply for maternity allowance from relevant departments within three months after giving birth. Everyone can get different money. There is a calculation formula, which is usually divided by the monthly payment base of female employees and multiplied by the number of holiday days. If the maternity allowance is lower than its own standard, the difference should be made up by the enterprise;

2. Maternity insurance also includes maternity medical care, which is used to ensure the basic medical care needs of female employees during pregnancy, childbirth and birth control surgery;

3. Maternity insurance is based on the principle of supporting fixed income and basically balancing income and expenditure. Enterprises pay corresponding insurance premiums to social insurance agencies according to a certain proportion of total wages, and establish maternity insurance funds, so employees do not have to pay maternity insurance premiums;

4. If there is a problem with the maternity allowance, you need to report the materials according to the relevant requirements, and you can handle it after approval, but you also need to learn how to operate it reasonably. If your rights and interests are infringed, you need to take up legal weapons to safeguard your rights and interests.

To sum up, the average monthly salary of employees in the previous year refers to the sum of the total monthly wages of employees insured in the previous natural year divided by the sum of the number of employees insured in each month approved by the medical insurance agency.

Legal basis:

Article 54 of the Social Insurance Law of People's Republic of China (PRC)

The employer has paid maternity insurance, and its 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.