How to use the five-insurance maternity insurance

The use of the five-insurance maternity insurance is as follows:

Female employees can use 1 and maternity insurance in the Five Risks when giving birth, and the expenses such as birth check-up, delivery, operation, hospitalization and medicine can be reimbursed by employees to social security institutions with birth certificates and other materials. The conditions for employees to enjoy maternity insurance include that the employer and its employees have participated in maternity insurance in accordance with the regulations and have fulfilled their payment obligations for six months, but some places require payment of 12 months; Meet the statutory conditions and family planning regulations, or implement contraception and recanalization surgery;

The reimbursement process of maternity insurance includes: after pregnancy, before abortion or family planning operation, the employer or the staff of the street and town labor security service station will bring the application materials to the maternity insurance window of the district social labor insurance agency; After accepting the examination and approval, the staff will issue a medical certificate; Within 30 days of maternity leave, the employer or the staff of the street or town labor security service station shall bring the application materials to the maternity insurance window of the district social labor insurance department for treatment settlement; After accepting the examination and approval, the employee shall pay the maternity medical expenses and maternity allowance;

2. However, the medical service fee and medicine fee exceeding the prescribed amount shall be borne by the employees themselves.

Legal basis: Article 6 of the Trial Measures for Maternity Insurance for Enterprise Employees.

The examination fee, delivery fee, operation fee, hospitalization fee and medicine fee for the birth of female employees shall be paid by the maternity insurance fund. The medical service fee and medicine fee (including self-funded medicine and nutritional medicine) exceeding the prescribed amount shall be borne by the employees themselves.

After the female workers are discharged from the hospital, the medical expenses for diseases caused by childbirth shall be paid by the maternity insurance fund; The medical expenses of other diseases shall be handled in accordance with the provisions of medical insurance benefits. After the expiration of maternity leave, if a female employee needs rest and treatment due to illness, it shall be handled in accordance with the relevant provisions on sick leave and medical insurance benefits.

Article 7

After a female worker gives birth or has an abortion, she shall go through the formalities at the local social insurance agency with the family planning certificate issued by the local family planning department and the certificate of birth, death or abortion of the baby, receive the maternity allowance and reimburse the maternity medical expenses.