How to buy maternal and child insurance?

First of all, both men and women have to pay maternity insurance, of which the woman's own maternity insurance can be reimbursed about 75%, and the man can be reimbursed about 50%. According to the requirement that the man enjoys maternity insurance benefits, male workers pay maternity insurance normally in the month of childbirth, with continuous payment of 10 month. If you use the man's maternity insurance, the most important thing is to provide proof that the spouse has no income. Generally, the male employee unit will issue the spouse's non-income certificate or the spouse's employment and unemployment registration certificate.

What is certain is that maternity insurance is the foundation, expectant mothers should also be insured, and commercial maternity insurance is a supplement.

It is understood that commercial maternity insurance mainly protects adults and children, including risks such as accidents during pregnancy, childbirth, neonatal death and congenital disability, and some insurance companies will increase hospitalization reimbursement. It is worth noting that commercial maternity insurance mainly covers some unexpected risks, and some medical expenses, natural delivery or caesarean section expenses are not reimbursed. When a woman needs to be hospitalized during pregnancy or childbirth, there is no corresponding subsidy. It is only sold as an additional risk in health insurance, not compulsory purchase, and the configuration of this product is different for each insurance company.

As for how to buy maternal and child insurance, below, I will introduce you to the relevant knowledge of maternal and child insurance.

At present, the contents of maternal and child insurance products appearing on the market are basically the same, which is to provide protection for the personal safety of expectant mothers and specific congenital diseases of infants. However, the products of different companies are different in terms of insurance methods, payment methods, guarantee period and observation period. There are two main types of insurance for pregnant women and newborns: one is additional maternal and child insurance, and the other is special maternal and child insurance.

It should be noted that because the risk probability of women during pregnancy is much higher than that of normal people, insurance companies will conduct strict physical examinations on their mothers and get in touch with health care hospitals to understand their health status before giving insurance. In addition, this kind of insurance generally needs a long observation period, usually 90- 180 days to take effect. If you choose this kind of insurance, you'd better insure it before pregnancy, otherwise the insurance company will generally refuse to insure it after two months of pregnancy.

When choosing insurance, expectant mothers should choose maternity insurance that can cover diseases during pregnancy, because from pregnancy to delivery, women will face a series of unique disease risks, while social security and general medical insurance responsibilities generally do not include complications caused by pregnancy, delivery and prenatal and postpartum examinations.