How long can maternity insurance be used?

Maternity insurance can be used after one year. If the employer has paid maternity insurance premiums, its employees shall 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.

Maternity insurance is full for one year, but can I be reimbursed if I resign?

Maternity insurance for one year, resignation can not be reimbursed. To enjoy maternity-related reimbursement, two conditions must be met at the same time:

First, the time to pay maternity insurance has accumulated for one year (slightly different in some areas); If you give birth within one year, you can't enjoy the reimbursement of maternity insurance, and maternity insurance doesn't require you to pay in the same unit; Moreover, employees are on-the-job and can be reimbursed for maternity insurance;

Two, must be in a working state during childbirth, and continue to pay maternity insurance premiums. Those who have resigned or severed diplomatic relations cannot enjoy maternity insurance. Maternity insurance reimbursement is divided into two parts:

1, medical reimbursement, such as inspection fee, production fee, etc. , can be reimbursed through maternity insurance;

2. Maternity allowance is to subsidize the wages of employees during maternity leave.

Can maternity insurance still be used after one year?

1, maternity insurance cannot be applied for reimbursement one year after resignation. In the case of resignation, it means that maternity insurance is broken. Before, no matter what the accumulated payment period was, it was impossible for users to apply for reimbursement of maternity insurance during their resignation. Under normal circumstances, maternity insurance reimbursement is conditional. First, the payment must be continuous 1 year or more, and in some areas it is 6 months; The second is that maternity insurance must be in the state of payment when applying for reimbursement;

2. Employees who have left their jobs or whose maternity insurance has been cut off cannot be reimbursed. In addition, it should be noted that maternity insurance cannot be suspended until maternity allowance is reimbursed. If you leave your job or terminate your maternity insurance before the reimbursement is completed, it may affect the payment of maternity allowance.

Maternity insurance reimbursement can be divided into two parts, one part is maternity medical expenses, usually fixed reimbursement; The second is maternity allowance, which is calculated according to the average wage level of employees and the number of days of maternity leave.

If the woman has no maternity reimbursement during childbirth, but her spouse has maternity insurance, she can apply for reimbursement through the man's maternity insurance, but the cost of reimbursement is not so high.

To sum up, maternity insurance can generally be used after one year of payment. If the unit where the female employee works has paid for one year, she can enjoy maternity allowance and maternity medical treatment when giving birth; If the unit fails to insure the employees, the maternity leave salary of the employees at the time of childbirth shall be paid by the unit.

Legal basis:

Article 54 of the Social Insurance Law of People's Republic of China (PRC)

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.