How much maternity insurance can the company buy?

Legal analysis: according to different types, the amount of social insurance reimbursement is also different.

The specific reimbursement standard is as follows: 1. 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 by half a month, and in case of multiple births, the maternity allowance will be increased by half a month for each additional baby; Those who have miscarried or induced labor for more than 3 months but less than 7 months are entitled to 1.5 months' maternity allowance, and those who have miscarried for pathological reasons within 3 months are entitled to 1 month's 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. 2. One-time maternity allowance: female employees who take part in maternity insurance in our company are unemployed, and if they give birth in accordance with family planning regulations during the period of receiving unemployment insurance benefits, they can enjoy one-time maternity allowance: 2,400 yuan for miscarriage in 400 yuan, 4,000 yuan for dystocia multiple births, and 50% for male employees whose spouses are not included in maternity insurance and give birth to their first child in accordance with family planning regulations. 3. Maternity nutrition subsidies and perinatal health care subsidies. Female employees who meet the national regulations and enjoy maternity leave for more than 90 days (including 90 days) can enjoy maternity nutrition subsidies in 300 yuan and perinatal health care subsidies in 700 yuan. 4. One-time maternity allowance: female employees who take part in maternity insurance in our company are unemployed, and if they give birth in accordance with family planning regulations during the period of receiving unemployment insurance benefits, they can enjoy one-time maternity allowance: 2,400 yuan for miscarriage in 400 yuan, 4,000 yuan for dystocia multiple births, and 50% for male employees whose spouses are not included in maternity insurance and give birth to their first child in accordance with family planning regulations. 5, family planning operation fees, including due to the needs of family planning, the implementation of the placement (removal) of intrauterine devices, induced abortion, induced labor, skin burial, sterilization and recanalization surgery costs, included in the scope of maternity insurance fund settlement.

Legal basis: Article 25 of the Population and Family Planning Law of the People's Republic of China. Couples who have children in accordance with laws and regulations can get extended maternity leave or other welfare benefits.

Article 7 of the "Special Provisions on Labor Protection of Female Employees" allows female employees to enjoy 98 days of maternity leave, including 15 days before delivery; In case of dystocia, maternity leave shall be increased 15 days; For multiple births, the maternity leave can be increased by 1 5 days for each additional child. Female employees who miscarry less than 4 months after pregnancy are entitled to 15 days maternity leave; Abortion after 4 months of pregnancy is entitled to 42 days of maternity leave.

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

Fifty-third employees should participate in maternity insurance, the employer should pay maternity insurance premiums in accordance with state regulations, and employees do not pay maternity insurance premiums.

Fifty-fourth employers have paid maternity insurance premiums, and their 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.

Fifty-fifth maternity medical expenses include the following:

(1) Maternity medical expenses;

(two) family planning medical expenses;

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

Fifty-sixth employees 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.