Is it worth paying maternity insurance?

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, one is paid by the affiliated unit,

Calculated to the subordinate unit according to the actual payment amount every month, but the unit can't insure only one insurance type for employees, and it needs to pay five insurances together. You have to pay 1 year to enjoy maternity insurance. You don't have to belong to this unit,

It can be a licensed self-employed person or something

Second, if the male unit pays insurance.

It can be enjoyed by the spouse, but only the expenses arising from childbirth are reimbursed. Monthly maternity wage allowance.

legal ground

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

Article 54 If an employer pays maternity insurance premiums, its employees shall 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.

Fifty-fifth maternity medical expenses include the following:

(1) Medical expenses for delivery.

(2) Family planning medical expenses.

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

Maternity insurance is stipulated by Chinese laws and regulations. It is a social insurance system in which workers temporarily interrupt their labor force when giving birth to children. It is the material help given by the state and society. Therefore, all employees should participate in maternity insurance. Is it worthwhile to pay maternity insurance? Is it continuous to pay maternity insurance? Let's take a look together.

If maternity insurance is paid by other companies, it is not worthwhile. At this time, you need to pay a certain extra service fee. If our social security is mainly paid through an agency, the expenses incurred are composed of service fees and social security premiums. Individuals can only pay old-age insurance, medical insurance and critical illness insurance, and cannot pay maternity insurance alone. If they want to enjoy maternity insurance, they can pay it in the unit and must pay it to the affiliated unit according to the actual amount every month.

If employees who have maternity insurance continue to pay fees before delivery, it is because the maternity insurance relationship has been transferred due to job changes. If payment is interrupted within three months, maternity insurance will continue to be paid after we pay it back. Either way, the most accurate method still needs to ask the local social security department.