The latest maternity insurance guide, receive 2W maternity allowance!

The most comprehensive maternity insurance guide

What is maternity insurance?

2. What aspects can maternity insurance reimburse?

3. How much can I get for maternity allowance?

4. What materials should I prepare to receive the maternity allowance?

5. How much can be reimbursed for reproductive health care?

6. What is the use of maternity insurance for men?

7. Can maternity insurance be enjoyed in B city when it is handed over to A city?

8. Other issues related to maternity insurance.

What is maternity insurance?

Regardless of whether male or female employees have given birth to children, the company will pay maternity insurance according to 0.8% to 0.85% of the employee social security contribution base, and we don't have to pay it personally.

2. What aspects can maternity insurance reimburse?

Maternity insurance reimbursement is divided into maternity allowance and maternity medical care. Maternity allowance: in simple terms, it is the money given to the mother during maternity leave. Maternity medical care: that is, the examination fee, delivery fee, operation fee, hospitalization fee and medicine fee spent on childbirth or abortion.

3. How much can the maternity allowance be?

Maternity allowance = per capita paid salary of this unit last year ÷30× maternity leave days. For example, suppose that the average salary of your company in the last year is 6000. You can get 6000÷30x98= 19600 if you give birth naturally. You can get 15 days maternity leave if you have a caesarean section.

4. What materials should I prepare to receive the maternity allowance?

(Maternity allowance is generally applied by the unit) The employees provide: the original and photocopy of the employee's and spouse's ID card, the original and photocopy of the marriage certificate, the original and photocopy of the family planning service manual or the birth certificate, the original proof of the medical expenses of the baby's birth certificate, the copy of the hospitalization medical record stamped with the official seal of the hospital, the detailed list of expenses, and the copy of the employee's own bank settlement account passbook.

5. How much can be reimbursed for reproductive health care?

There are two kinds of reimbursement for maternity medical expenses (see local regulations). The first is a fixed reimbursement amount, that is, no matter how much you spend, the social security agency will reimburse you according to a fixed amount. For example, in Beijing, prenatal examination 1400 can be reimbursed, and the third-level hospital has a natural delivery of about 3300 and a caesarean section of 4400. The other is according to how much money you spend, according to a certain proportion of reimbursement, spend more and report less, spend less and report less. For example, in Guangzhou, you have to go to a designated hospital for medical confirmation after pregnancy. All the examinations and operations during pregnancy were done in the designated hospital. When you have a baby, you just need to pay your share.

6. What is the use of maternity insurance for men?

If both husband and wife have maternity insurance, only one of them can be reimbursed, that is, two people cannot apply at the same time. It is recommended to use the woman's because the reimbursement rate and expenses of the man are very small. If the wife has no social security, the man can enjoy 50% of the maternity medical reimbursement, and the maternity allowance will be gone. However, in some areas, 10 days of paternity leave allowance will be granted. The calculation formula is: the average salary of male employees ÷30x 10.

7. Maternity insurance is paid in city A, but can it be reimbursed in city B?

Yes, maternity insurance is reimbursed where it is paid. Some female workers will choose to go back to their registered residence to give birth when giving birth, which is convenient for their families to take care of. This kind of situation can be reimbursed, but the procedure is more troublesome.

8. Other issues related to maternity insurance.

(1) Can the second child be reimbursed?

Yes, the second child who meets the family planning regulations can be reimbursed, and the reimbursement standard is the same as that of the first child.

(2) Can production in non-designated hospitals be reimbursed?

Childbirth in a non-designated hospital cannot be reimbursed for maternity medical expenses. However, maternity allowance is still available. Therefore, we should pay attention to choosing a hospital before giving birth to a baby.

(3) Can maternity allowance and maternity leave pay be paid at the same time?

No, you can only choose one, the biggest one.

8. Other issues related to maternity insurance.

(4) Can I get maternity allowance if I leave my job before giving birth?

No, one of the reimbursement conditions of maternity insurance is that maternity is insured. After you have paid for a certain period of time continuously, you have left your job during childbirth, which naturally does not meet the reimbursement conditions.

(5) Can I get an allowance if I leave my job after maternity leave?

Yes, the money for resignation and maternity insurance can be given after maternity leave, and the cumulative time to participate in maternity insurance should reach 12 months, and all the months of pregnancy must be in the state of three insurances.