What is the specific maternity insurance policy in Guangzhou? Why is the social security payment inconsistent with the actual payment? Urgently beg

Organizer: social security institutions in various regions.

Matters to be handled: Maternity insurance reimbursement

Tel: 12333

Maternity insurance reimbursement conditions: social security maternity insurance reimbursement conditions

Information required for maternity insurance reimbursement:

1, ID card;

2. Marriage certificate;

3. Proof of family planning, such as birth permit;

4. Medical certificate of newborn birth, such as birth certificate;

5. Receipt of medical expenses;

6. Other relevant materials.

Note: As the actual situation in different provinces and cities is different, the specific information shall be implemented according to the local maternity insurance policy.

Maternity insurance reimbursement process: the employer or employee shall go through the reimbursement procedures at the social security agency with the required information. Some cities stipulate that reimbursement can only be made by employers. The specific reimbursement process is implemented according to the local maternity insurance policy.

Maternity insurance reimbursement standard: the reimbursement amount of maternity insurance shall be implemented according to local policies, such as 3,500 yuan for cesarean section in Dongguan and 2,000 yuan for delivery through birth canal.

Maternity insurance reimbursement ratio

The natural delivery rate was 270%

The dystocia rate was 320%

The cesarean section rate was 42.0%

Note: the reimbursement rate is based on the average monthly salary of employees in the previous year, and it is paid in one lump sum according to a certain proportion.

Reimbursement period of maternity insurance

Maternity insurance should be purchased continuously for 12 months, reimbursed within 18 months after the baby is born, and insured at the same time. Maternity insurance is a typical local policy, which varies from 10 months to 6 months or even lower. Therefore, the local social security center should prevail.

Maternity insurance reimbursement scope

First, the maternity insurance fund compensates the unit in the form of maternity allowance. The compensation standard is: female workers who have been pregnant for more than 7 months (including 7 months) and delivered naturally or have been born prematurely for less than 7 months are entitled to 3 months of maternity allowance; In case of dystocia or cesarean section, the maternity allowance will be increased for half a month; For multiple births, the maternity allowance will be increased by half a month for each additional baby; Pregnant for more than 3 months (including 3 months) but less than 7 months, those who have miscarried or induced labor are entitled to maternity allowance 1.5 months; Abortion due to pathological reasons within 3 months of pregnancy is entitled to 1 month maternity allowance. Maternity allowance is based on the average monthly payment salary of maternity insurance for female employees before prenatal or family planning operation 12 months.

Two, maternity nutrition subsidies and perinatal health care subsidies, who meet the requirements of the state to enjoy maternity leave for more than 90 days (including 90 days) can enjoy maternity nutrition subsidies in 300 yuan, perinatal health care subsidies in 700 yuan.

3. One-time maternity allowance. Female employees who participate in maternity insurance in the unit are unemployed and meet the family planning requirements during the period of receiving unemployment insurance benefits, and can enjoy a one-time maternity allowance: 2,400 yuan for miscarriage, 2,400 yuan for natural delivery, and 4,000 yuan for dystocia and multiple births; Male employees who participate in maternity insurance, whose spouses are not included in the scope of maternity insurance, can enjoy a one-time maternity allowance of 50% if they have their first child in line with family planning regulations.

Four, maternity allowance compensation to the unit, the insured female workers during maternity leave my basic salary, bonus and welfare expenses paid by the unit.

Five, the cost of family planning operation, including the implementation of placing (taking out) IUD, induced abortion, induced labor, skin burial, sterilization and recanalization surgery due to family planning needs, included in the settlement scope of maternity insurance fund.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.