How to use the birthday in the five risks?

Maternity insurance in the five risks can be used when female employees give birth. Expenses such as birth inspection fee, delivery fee, operation fee, hospitalization fee, medicine fee, etc. can be reimbursed by employees to social security institutions with birth certificates and other materials; However, the medical service fees and medicine fees that exceed the provisions shall be borne by the employees themselves.

1. Bring the application materials to the maternity insurance window of the district social labor insurance institute: after a female worker is pregnant, before abortion or family planning operation, the employer or the staff of the street or town labor security service station will bring the application materials to the maternity insurance window of the district social labor insurance institute;

2. Issue medical certificates: After the staff accepts the examination and approval, issue medical certificates;

3. Bring materials to the district social labor insurance agency for treatment settlement: within 30 days after maternity leave, 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 for treatment settlement;

4. Payment of maternity medical allowance: After the staff accepts the examination and approval, they will pay maternity medical expenses and maternity allowance. Reimbursement standard: 800 yuan for outpatient prenatal examination, 2,200 yuan for natural delivery, 3,000 yuan for dystocia and 4,000 yuan for cesarean section. Multiple births increase 500 yuan with each additional birth.

1, reimbursement of maternity expenses

According to statistics, a pregnancy needs at least 1 1 prenatal examination, and the cost is about 4000 to 10000. After a hospital delivery, it costs three or four thousand. With maternity insurance, most expenses can be reimbursed.

2. Receive maternity allowance

Secondly, you can get a maternity allowance equivalent to several months' salary, which is also the second benefit I mentioned. How much can you give? This is related to the average monthly salary of your company and the number of maternity leave days last year.

In order to enjoy this welfare, many cities require that maternity insurance must be paid continuously 1 year, and it will not be available for less than one month. However, some of them are more humanized and only look at the accumulated time. That is to say, if they leave their jobs halfway, it is ok to make up after 1 year.

But remember, when you receive this benefit, you must be on the job. You can't get it if you leave.

legal ground

Article 25 of the Population and Family Planning Law of the People's Republic of China * * * Couples who give birth to children according to laws and regulations can get extended maternity leave or other welfare benefits.

Article 53 of the Social Insurance Law of People's Republic of China (PRC) * * * Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, but employees shall 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.