How much money can I get back if I pay for maternity insurance?

Maternity insurance can only be paid by the unit, you communicate with the unit, hang in the unit, you pay, but it is estimated that it is difficult, the social security has not helped you pay, it is estimated that there is no hope! Maternity insurance is calculated according to the base number of maternity insurance you have taken this year, you ask the staff who pay the insurance, what is your base, and then multiply the number of days you take maternity leave according to the base number (the number of days of maternity leave stipulated by the state) is the money you can get. As for the prenatal examination, there is a maximum cap, it seems to be about 1400, and the cost of hospitalization is directly reimbursed when you are hospitalized!

A lot of them can't be reported! If you are a woman, the reimbursement is about 50%, the reimbursement for men is halved, about 25%, and my colleague is 75% reimbursed with her husband combined!

Maternity insurance can only be purchased by an individual, and the individual contribution ratio is 0

Your unit only provides three insurances, you may wish to communicate with the company's personnel to see if you can pay for it yourself in the name of the unit.

Maternity insurance is usually stipulated to have been paid for one year and is still being paid, and you can enjoy the relevant benefits of maternity insurance.

Maternity insurance is a welfare guarantee in social security, which can only be handled by the unit in a centralized manner, and individuals do not need to pay. Individuals cannot handle it on their own. Only communicate with the unit, and pay the company name like that!

The maternity allowance is the average salary of the previous year* should be entitled to the month of maternity leave, and it was paid to the account of the unit before, so the individual contribution cannot be enjoyed (this has nothing to do with the base).

Hospitalization expenses vary from place to place, generally one price for normal delivery, one price for caesarean section, direct settlement after discharge, and no refund for less compensation and more.

First of all, it is divided into two parts, one is maternity insurance.

It is related to the base amount paid by your company, that is, the yuan you said, and this is the base number. Wang Ru, your maternity insurance is quoted at a maximum of 1,400 yuan; The other part is the maternity allowance.

That is, three months of maternity leave.

Your company pays you social security and your basic salary.

How much, if your company pays you a basic salary base of 3,000 yuan, then your maternity allowance is 3,000 * 3 months of maternity leave = 9,000 yuan, some companies will deduct a part, some will not; If you are late childbearing, there is still a month of late childbirth leave and late childbirth allowance, the calculation method of late childbirth allowance: early your social security basic salary base * 1 month late childbirth leave, taking 3000 yuan as an example, 3000 * 1 = 3000 yuan, basically you give birth to a child, you can receive 1400 yuan + the actual reimbursement cost of the days when the child is hospitalized + 12000 yuan.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

How much does maternity insurance reimburse? The maternity insurance policy emphasizes that if the maternity allowance is higher than the maternity leave salary standard, the employer shall not deduct it; If the maternity allowance is lower than the maternity leave salary standard, the employer shall make up the difference. "In other words, the maternity allowance will not be lower than the average wage standard of the unit.

Jiang Jiyuan said. For example, if a female employee's monthly maternity allowance is 5,000 yuan, and the average salary of the employer for the month is 4,500 yuan, after the maternity insurance** is uniformly paid to the employer, the employer cannot deduct 500 yuan in excess of the average wage; If the monthly maternity allowance of a female employee is 3,500 yuan, and the average salary of the employer is 4,500 yuan, the difference of 1,000 yuan needs to be made up by the employer.

For employees who originally participated in maternity insurance, who have given birth or enjoyed maternity leave before January 1, 2012, but then declare maternity allowance, the maternity allowance shall be calculated according to the new calculation and payment method.

How much does maternity insurance reimburse? From 2012 onwards, maternity insurance will adjust some of the medical expenses and quota standards for childbirth and family planning surgery, and the level of medical treatment will increase by about 20% on the original basis, and it is expected to increase the expenditure by about 25 million yuan.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Maternity insurance** compensates the employer in the form of maternity allowance. Maternity allowance = 30 (days) of the average salary paid by the unit in the current month. Maternity Medical Expenses:

The medical expenses for medical treatment after confirming the status of maternity medical treatment shall be settled by the Municipal Labor and Social Security Bureau and the hospital in a fixed amount. Other types of subsidies and different situations shall be implemented in accordance with relevant regulations.

How much is the maternity allowance?

The maternity insurance paid by the company to employees can allow employees to enjoy maternity insurance benefits.

Maternity insurance reimbursement benefits:

1. Maternity medical expenses.

The examination fees, midwifery fees, surgery fees, hospitalization fees and medicine expenses for female employees who give birth are paid by maternity insurance**. The medical business expenses and drug expenses (including the drug expenses of self-financed drugs and nutritional drugs) in excess of the prescribed regulations shall be borne by the employees themselves.

After a female employee is discharged from the hospital after giving birth, the medical expenses for diseases caused by childbirth shall be paid by maternity insurance**; Medical expenses for 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 to rest due to illness, it shall be handled in accordance with the provisions on sick leave and medical insurance benefits.

2. Maternity allowance.

Female employees are entitled to maternity allowance during maternity leave in accordance with the law, which is calculated and paid according to the average monthly salary of employees in the previous year of the enterprise, and is paid by maternity insurance**.

Maternity insurance is a social insurance system in which the state provides medical services, maternity allowance and maternity leave by the state and society when pregnant and childbirth women workers temporarily suspend their work, and the state or society provides necessary economic compensation and medical care to employees who have given birth to children.

Maternity Insurance Reimbursement Conditions:

Employees who enjoy maternity insurance benefits shall meet the following conditions at the same time:

1. The employer has paid for the employee for more than one year and continues to pay for it;

2. Comply with national and provincial population and family planning regulations.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

How much can I reimburse for the troublesome question.

The maternity insurance benefits of female employees who meet the requirements of family planning are divided into two parts: maternity allowance and maternity medical expenses. Maternity allowance - during the statutory maternity leave, it shall be enjoyed according to the monthly per capita wage standard of the employees of the enterprise in the previous year; Maternity medical expenses – prenatal check-ups, midwifery, surgery, hospitalization and medicine for childbirth.

If the woman is not insured or does not enjoy the benefits, it will be as follows: if the spouse of the male employee conforms to the provincial family planning regulations and does not enjoy the maternity insurance benefits, a one-time maternity subsidy will be paid according to 50 of the maternity allowance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"