How to use social security maternity insurance during pregnancy?

First, the use of maternity insurance is divided into two points:

1. Maternity insurance includes maternity allowance. Maternity allowance is related to the average salary of employees and the number of maternity leave days in the previous year. This formula for calculating maternity allowance: the average salary of employees in the previous year multiplied by the number of maternity leave days and then divided by 30 is the residual allowance. Generally speaking, everyone can get an allowance of more than 654.38 million yuan, and even many people can get an allowance of 654.38 million yuan!

2. Maternity insurance can be reimbursed. This reimbursement is not only for childbirth, but also for some tests.

Second, what is maternity insurance?

Maternity insurance is a social insurance system in which the state and society provide medical services, maternity allowance and maternity leave when pregnant and pregnant female workers temporarily stop working, and the state or society provides necessary economic compensation and medical care for maternity workers. Maternity insurance benefits in China mainly include two items. One is maternity allowance, and the other is maternity medical care. The Measures for Maternity Insurance in Ministry of Human Resources and Social Security (Draft for Comment) has been open to the public for comments since 2012165438+10. The opinion draft makes it clear that maternity insurance benefits will no longer be limited to household registration, and units that do not pay maternity insurance must pay maternity fees.

Third, maternity insurance medical treatment

The medical expenses incurred by female employees during pregnancy, childbirth and puerperium shall be compensated by the maternity insurance fund in accordance with the following quota standards.

(1) Those who are pregnant for more than 7 months (including 7 months) and give birth prematurely and naturally and through midwifery procedures will be subsidized according to the standard of 2,000 yuan per child.

(2) In case of dystocia during delivery and cesarean section, the subsidy for each child is 3,500 yuan.

Male workers who meet the conditions of maternity insurance benefits, if their spouses give birth to their first child and their spouses do not participate in maternity insurance, will be given a one-time medical subsidy by the maternity insurance fund, and the subsidy standard is 50% of the quota standard. (2,000 yuan for natural delivery and 3,500 yuan for caesarean section. The woman did not pay maternity insurance, but the man did, so the average of the above amounts can be obtained. )

Four, apply for maternity insurance benefits must provide materials.

Employees who meet the requirements of the Implementation Measures shall apply for maternity insurance benefits to the designated maternity insurance agency within 3 months after delivery or operation. The following materials shall be provided when applying:

(1) the identity card of the insured;

(2) A family planning certificate issued by the family planning administrative department;

(3) A certificate of reproductive medicine issued by a medical institution;

(four) the labor contract (or employment contract) signed by the employer and the employee.

(five) male workers enjoy maternity insurance one-time medical expenses subsidies, but also need to provide a marriage certificate and original documents of maternity medical expenses.

Five, the main role of maternity insurance has the following aspects:

1. Carrying out maternity insurance is the recognition of women's reproductive value. Women's childbearing is the need of social development. While carrying on the family line, they have also made efforts for the reproduction of social labor force and deserve social compensation. Therefore, protecting women's reproductive rights and interests is accepted by most countries and given policy support. At present, 135 countries in the world have passed legislation to protect women's legitimate rights and interests in childbirth.

2. Carrying out maternity insurance is the guarantee for the basic life of female workers. Female employees leave their jobs during childbirth and cannot work normally. The state has formulated relevant policies to ensure that they enjoy relevant treatment when they leave their jobs. These include maternity allowance, medical services and special protection policies when you can't stick to your normal work during pregnancy. It has created favorable conditions for pregnant women to give birth smoothly in terms of living security and health security.

3. Carrying out maternity insurance is the need to improve the quality of the population. Female reproductive energy consumption is high, which requires adequate rest and nutritional supplement. Maternity insurance provides them with a basic salary, so that their living standards will not be reduced because they leave their jobs. At the same time, provide them with medical services, including prenatal examination and perinatal health care guidance, to monitor the normal growth of the fetus. For women who are sick or exposed to toxic and harmful substances during pregnancy, necessary examinations are carried out. If a deformed child is found, the pregnancy can be terminated as soon as possible. For women with abnormal phenomena during pregnancy, focus on protection and treatment. In order to protect the normal growth of the fetus and improve the quality of the population.

Women's reproductive period and abortion period are special periods, and comprehensive protection is indispensable. Maternity insurance is a good way to ensure that women in need buy it.

legal ground

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.

Article 56 If an employee is under any of the following circumstances,

You 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.