Can a wife be reimbursed by her husband's medical insurance if she is pregnant?

The wife is pregnant and the husband's medical insurance cannot be reimbursed.

According to national regulations, a wife can't use her husband's medical insurance to reimburse her for giving birth to a child. However, if the husband's employer has paid the maternity insurance premium for him, then the wife can enjoy maternity insurance benefits. This means that the wife's maternity medical expenses can be paid through the maternity insurance fund. If the wife has her own maternity insurance, she can only use her own maternity insurance to reimburse related medical expenses and enjoy maternity allowance. If the wife has no job and no maternity insurance, she can use her husband's maternity insurance to receive a one-time maternity allowance. In the process of reimbursement, you need to provide social security cards, birth certificates, baby birth certificates and medical expenses documents and other related materials.

The basic provisions of medical insurance:

1, medical insurance types: medical insurance for urban workers and medical insurance for urban and rural residents;

2. Qualification for insurance: It is usually required to have a stable work or residence certificate in the local area;

3. Reimbursement scope: including outpatient expenses, hospitalization expenses and drug expenses;

4. Personal account: Some medical insurances have personal accounts to pay part of medical expenses;

5. Medical treatment in different places: stipulate the reimbursement process and conditions for medical treatment in different places;

6. Use of medical insurance card: This paper introduces the application, use and loss reporting of medical insurance card.

To sum up, a wife's pregnancy cannot be reimbursed by her husband's medical insurance, but if her husband's employer has paid maternity insurance, she can enjoy maternity insurance benefits and pay medical expenses through the maternity insurance fund. If the wife has her own maternity insurance, she can only use her own insurance to reimburse expenses and enjoy allowances. If the wife has no job and no maternity insurance, she can receive her husband's maternity allowance. The reimbursement process needs to provide social security card, birth certificate, baby birth certificate and medical expense documents.

Legal basis:

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

Article 54

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.