How much subsidy does maternity insurance have?

According to the regulations, maternity insurance enjoys the following benefits:

1, maternity allowance

2. Maternity medical expenses

3, the medical expenses of family planning operation

4 other expenses related to maternity insurance as stipulated by the state.

The examination fee, delivery fee, operation fee, hospitalization fee and medicine fee for the birth of female employees shall be paid by the maternity insurance fund. The medical service fee and medicine fee (including self-funded medicine and nutritional medicine) exceeding the prescribed amount shall be borne by the employees themselves. After the female workers are discharged from the hospital, the medical expenses for diseases caused by childbirth shall be paid by the maternity insurance fund; The medical expenses of other diseases shall be handled in accordance with the provisions of medical insurance benefits. After the expiration of maternity leave, if a female employee needs rest and treatment due to illness, it shall be handled in accordance with the relevant provisions on sick leave and medical insurance benefits.

The maternity insurance policy emphasizes that if the maternity allowance is higher than my maternity leave salary standard, the employer may not deduct it; If the maternity allowance is lower than my maternity leave wage standard, the difference shall be made up by the employer. "In other words, the maternity allowance will not be lower than the average wage of the unit." Jiang Jiyuan said. For example, the monthly maternity allowance for female employees is 5,000 yuan, while the average monthly salary of employers is 4,500 yuan. After being paid to the unit by the maternity insurance fund, the employer who exceeds the average wage of 500 yuan cannot deduct it; The monthly maternity allowance for female employees is 3,500 yuan, and the average monthly salary of the employer is 4,500 yuan. The difference of 1 0,000 yuan needs to be made up by the employer.

For employees who originally participated in maternity insurance, who had given birth or planned parenthood before 2012/kloc-0 and enjoyed maternity leave, but later declared maternity allowance, the maternity allowance shall be calculated according to the new calculation method.

From 20 12, maternity insurance will adjust the payment items and quota standards of some medical expenses for fertility and family planning operations, and the level of medical treatment will be improved by about 20% on the original basis, and the fund expenditure is expected to increase by about 25 million yuan.

Maternity insurance application materials:

1. Information provided by the applicant:

First, the family planning certificate (i.e. birth permit)

B, newborn birth medical certificate (i.e. birth certificate) or household registration book.

C, diagnosis certificate (production certificate issued by the production hospital, issued at the time of discharge), expense certificate (printed at the time of discharge)

D, my ID card (original ID card of the agent provided by the agent)

E. In case of dystocia in different places or overseas, provide details of hospitalization expenses.

F, is it provided by caesarean section in different places or overseas:

(1) operation certificate

(2) Expense voucher

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 54 of the Social Insurance Law

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.

Article 55

Maternity medical expenses include the following contents:

(1) Maternity medical expenses;

(two) family planning medical expenses;

(3) Other project expenses stipulated by laws and regulations.

Article 56

Workers in any of the following circumstances can enjoy maternity allowance in accordance with state regulations:

(1) Female employees enjoy maternity leave;

(2) Enjoy family planning operation leave;

(3) Other circumstances stipulated by laws and regulations.

Maternity allowance is calculated and paid according to the average monthly salary of employees in the previous year of the employer.