How to use maternity insurance in the five risks

The use of maternity insurance in the five insurances is as follows:

1. Reimbursement of maternity medical expenses: medical expenses such as prenatal examination fees and delivery fees incurred by female employees during childbirth can be reimbursed to social security institutions. The specific reimbursement ratio and limit need to be determined according to the local social security policy.

2. Maternity allowance collection: Female employees can receive maternity allowance during maternity leave to ensure basic living expenses. The amount of maternity allowance is calculated according to the employee's salary and the number of days of maternity leave. For specific standards, please consult the local social security agency.

3. Application for consultation: Before preparing for childbirth, female employees should know the relevant policies of maternity insurance from their units, and apply for maternity insurance benefits from local social security institutions in time after childbirth. If you have questions or needs, you can consult social security agencies or seek legal assistance.

The process of applying for maternity insurance:

1. Preparation of application materials: After pregnancy, before abortion or family planning operation, the employing unit or the staff of the street or town labor security service station will bring the application materials to the maternity insurance window of the district social labor insurance agency for handling. The required application materials include "Social Insurance Registration Form", "Table on the Increase and Decrease of Persons Participating in Basic Pension, Work Injury and Maternity Insurance" and "Summary of Basic Pension, Work Injury and Maternity Insurance for Enterprise Employees".

2. Treatment approval and settlement: Within 30 days after the end of maternity leave, the female employee who has given birth will go to the maternity insurance window of the district social labor insurance department with the application materials for treatment settlement. After accepting the examination and approval, the staff will pay maternity medical expenses and maternity allowance.

3. Receiving maternity insurance benefits: After receiving paid maternity medical expenses and maternity allowance, female employees should check the amount and properly keep relevant vouchers. If you have any objection, contact the social security agency in time.

To sum up, maternity insurance, as one of the five insurances, provides an important guarantee for female employees. By understanding and using maternity insurance, female workers can better safeguard their rights and interests and reduce the economic pressure brought by maternity. In the future, with the development of society and the continuous improvement of policies, the maternity insurance system is expected to be further optimized to provide more comprehensive and humanized protection for female employees.

Legal basis:

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

Article 53

Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, and employees shall not pay maternity insurance premiums.