Hubei province maternity insurance latest regulations

The latest regulation of Hubei's maternity allowance in 2023 is that all unit employees should participate in maternity insurance.

According to the local regulations issued by Hubei Province, Hubei Province's maternity insurance policy includes three aspects, which are the coverage of maternity insurance, the standard of maternity insurance contribution, and the standard of maternity insurance treatment. Among them, the coverage of maternity insurance is that all employees should participate in maternity insurance.

Maternity insurance is provided by the employer in accordance with state regulations, and employees do not pay maternity insurance premiums. Maternity insurance premium rate is controlled at 0.5%-0.7% of the employee's gross salary.

Maternity insurance is a social insurance system in which the state and society provide medical services, maternity allowances and maternity leave through legislation in the event of temporary interruption of work by a female worker during pregnancy or childbirth. The State or society provides necessary financial compensation and medical care to workers who give birth.

Standards for maternity insurance treatment:

Where an employer has paid maternity insurance premiums, its employees are entitled to maternity insurance treatment; the employee's unemployed spouse is entitled to maternity medical expenses in accordance with the state regulations, and the funds required are paid from the maternity insurance fund. Maternity insurance benefits include maternity medical expenses and maternity allowances.

1. Maternity medical expenses include: medical expenses for childbirth; medical expenses for family planning; and expenses for other items as stipulated by laws and regulations;

2. Maternity allowance expenses include: maternity leave for female workers who give birth to children; leave for family planning surgeries; and other cases as stipulated by laws and regulations. Maternity allowance is paid in accordance with the average monthly salary of the workers in the employer's organization for the previous year.

The daily payment standard of the maternity allowance:

1. Calculated by dividing the average monthly salary of the previous year's employees at the employing unit where the female worker has actually declared her contribution in the month of the birth or abortion (induced) by 30 days;

2. If the female worker has changed the employing unit in the twelve months prior to the birth or abortion, the allowance shall be calculated in accordance with the average monthly salary of the previous year's employees at each of the employing units where she worked in the 12 months before she gave birth or aborted the pregnancy. If the employer has paid contributions for less than 12 months, the calculation shall be based on the average monthly salary of the employees of the employer during the time when the contributions were actually paid.

The number of days of maternity allowance:

1. 128 days for normal delivery;

2. 15 additional days for difficult deliveries and 143 days;

3. 15 additional days for each additional baby in the case of multiple births;

4. 30 days in the case of miscarriages at less than 12 weeks' gestation;

5, In case of abortion (induced) at 12 weeks but less than 28 weeks of pregnancy, 45 days will be counted;

6. In case of induced abortion at 28 weeks or more of pregnancy, 98 days will be counted.

Methods of receiving maternity allowance:

1, first of all, it is necessary to give birth to the staff's unit in the local human resources and social security services online, if the query to the amount of the cost of the Wuhan Municipal Social Insurance Fund special settlement (stamped with a financial seal), account information, contact telephone number;

2, enjoy the benefits of the employee can then go to the Municipal Medical Insurance Center for receiving the payment procedures;

3. Maternity staff to receive the maternity expenses allocated to the financial account of the social security card, you can go to the card-issuing bank's business outlets to receive cash with your ID card and social security card.

In summary, the main content of the new policy on maternity insurance in Hubei Province is that the treatment of maternity insurance is no longer limited to domicile, the unit must bear the cost of maternity without insurance, and the proportion of enterprise contributions is reduced by half. Maternity insurance benefits include maternity medical expenses and maternity allowance. Maternity allowances are paid according to the average monthly wage of employees in the employer's organization for the previous year.

Legal basis:

Article 8 of the Special Provisions on the Labor Protection of Female Workers and Employees

The maternity allowance during the maternity leave of a female worker shall be paid by the Maternity Insurance Fund in accordance with the standard of the average monthly salary of the employees of the employing unit in the previous year for those who have participated in the maternity insurance; and for those who have not participated in the maternity insurance, it shall be paid by the employing unit in accordance with the standard of the salary of the female worker before the maternity leave.

Medical expenses incurred by female workers in connection with childbirth or miscarriage shall be paid by the Maternity Insurance Fund in accordance with the items and standards stipulated by the Maternity Insurance for those who have taken part in the Maternity Insurance; for those who have not taken part in the Maternity Insurance, they shall be paid by the employing unit.

Article 56 of the Social Insurance Law of the People's Republic of China

When an employee is in one of the following situations, he or she is entitled to a maternity allowance in accordance with the state regulations:

(1) a female worker is entitled to maternity leave for the birth of a child;

(2) she is entitled to a leave of absence from her family-planning operation;

(3) in other situations as stipulated by laws and regulations.

Maternity allowance is paid in accordance with the average monthly salary of the employees of the employer where the employee works in the previous year.