Do flexible employment and medical insurance have maternity allowance?

Flexible employment and medical insurance have no maternity allowance.

Social insurance paid by flexible employees does not include maternity insurance. Maternity insurance is a part of employee social security, which is shared by enterprises and employees. The specific analysis is as follows:

1. Self-funded medical insurance is only applicable to reimbursement of general medical expenses. Giving birth to a child belongs to the category of maternity insurance and is paid by the employer. Individuals can't pay, so they can't enjoy the corresponding maternity insurance benefits when they give birth.

2. If it is affiliated with a company, it can be reimbursed after continuous payment 1 year;

3. If the man has paid social security in the company for one year, it can be calculated according to the man, but only 50% will be reimbursed.

The medical insurance reimbursement process for flexible employees is as follows:

1, hospitalization reimbursement must first be clearly defined as flexible employment medical insurance, not employee medical insurance;

2. The proportion of hospitalization reimbursement is between 60% and 90%, and the proportion of hospitalization reimbursement in provinces and cities is different, and the specific policies in different places are different. It is recommended to consult the local social security department for the specific reimbursement ratio, subject to the reply from the social security department. Those who have reached the statutory retirement age but have not reached the monthly payment period of basic old-age insurance benefits and continue to pay the basic old-age insurance premiums belong to the scope of flexible employment declaration.

To sum up, flexible employees only pay medical insurance premiums, not maternity insurance. Naturally, you can't enjoy maternity allowance after giving birth, but you can reimburse some maternity medical expenses or enjoy one-time maternity medical allowance.

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.

Article 55

Maternity medical expenses include the following contents:

(1) Maternity medical expenses;

(two) family planning medical expenses;

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

Article 56

Workers 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.