What are the characteristics of maternity insurance and what are the characteristics of maternity in

At present, there are five types of social insurance paid by enterprises: endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance. Each has its own function and has its own characteristics. Pension insurance is the life guarantee of the elderly; Medical insurance is a financial support for you when you are sick; Workers' compensation insurance is medical assistance in case you are injured in an accident while at work; Unemployment insurance is what you rely on when you don't have a job; Maternity insurance is a supplement for medical expenses incurred after you become pregnant, including the birth of a child.

Seconds understand what maternity insurance is.

Maternity insurance is a social insurance system that stipulates through national legislation that the state and society will provide timely material assistance when the labor force is temporarily interrupted due to the birth of children

(1) Female employees

The recipients of maternity insurance are mainly female employees, so the group of people who enjoy the treatment is relatively narrow. With the progress of society and economic development, some areas allow a certain amount of leave to take care of a female employee after giving birth.

(2) The conditions for enjoying treatment vary from country to country.

Some countries require the beneficiary to have a record of participation, years of service, citizenship, etc. China's maternity insurance requires that the recipient must be legally married, that is, it must meet the legal age of marriage, go through legal formalities in accordance with the provisions of the Marriage Law, and comply with the national family planning policy.

(3) It has nothing to do with the fetus

Regardless of the outcome of the pregnancy, the female employee may be compensated in accordance with the regulations. That is to say, regardless of whether the fetus is alive or not, the mother can enjoy the relevant benefits, and including miscarriage, induced labor, and accidents between the fetus and the mother, etc., can enjoy the maternity insurance treatment.

The role of maternity insurance:

The introduction of maternity insurance is a recognition of the value of women's childbirth. Women's childbearing is a need of social development, and while they have made efforts to carry on the family lineage, they have also made efforts for the reproduction of the social labor force, and should be compensated by the society. Therefore, the protection of women's reproductive rights and interests is accepted and given policy support by most countries.

The implementation of maternity insurance is a guarantee for the basic livelihood of female workers. Female employees leave their jobs during childbirth and are unable to work normally. The State has adopted relevant policies to ensure that they enjoy the relevant benefits when they leave work.

The above content reference:

As a type of social insurance, work-related injury insurance has the following characteristics: (1) It has compulsory work-related injury insurance, which is enforced by national legislation like other types of social insurance. Employers and employees within the prescribed scope must participate; (2) Non-profit work-related injury insurance is a social responsibility of the state to workers, and it is also a basic right that workers should enjoy.

The purpose of the State in organizing work-related injury insurance is to seek welfare for workers, and to provide all services related to work-related injury insurance, which are not for profit; (3) Guaranteeing means that after a work-related accident occurs, the work-related injury benefits issued to the worker or his surviving family members should be able to ensure their basic livelihood; (4) Mutual assistance refers to the establishment of work-related injury insurance through the compulsory collection of insurance premiums, and the social insurance institutions redistribute and adjust the costs between personnel, regions and industries to ensure the needs of a person, a unit or an industry.

This is carried out in accordance with the policy of the state.

Maternity insurance is a social security system established to protect the living and medical expenses of female employees during childbirth. Maternity insurance has the following features.

First of all, maternity insurance has a clear retirement goal. During the period of paying maternity insurance, female employees can receive corresponding maternity allowance and prenatal and postnatal care cost subsidies, and at the same time, they can also use the maternity insurance paid as the base of old-age insurance and enjoy the benefits of old-age insurance. The establishment of this system will help to improve the quality of life of female employees after retirement.

Secondly, maternity insurance is mandatory. In accordance with the relevant laws and regulations, all employers must pay maternity insurance premiums for female employees, and the treatment and benefits of female employees must not be reduced. This mandatory system design is conducive to improving the social security level and employment competitiveness of female workers.

Finally, maternity insurance is adaptable. In terms of the design of the maternity insurance system, Luqing has a certain degree of flexibility and adaptability. Female employees in different regions can choose different payment methods and schemes according to the nature of their work and actual situation, so as to meet the needs of female employees at different levels and at different stages.

In general, maternity insurance is characterized by clear retirement goals, mandatory and adaptable. In the context of China's continuous promotion of the construction of the social security system, the improvement and improvement of the maternity insurance and travel insurance system will be more and more in line with the needs and realities of female employees.

Legal analysis: Characteristics of maternity insurance 1: The object of maternity insurance is mainly female employees; Maternity insurance feature 2:

Medical services provided by maternity insurance generally do not require special**; Characteristics of maternity insurance: 3. The treatment level of maternity insurance is generally higher than that of medical insurance; Feature 4: Maternity insurance implements the principle of both prenatal and postnatal enjoyment.

Legal basis: Article 2 of the Trial Measures for Maternity Insurance for Employees of Enterprises shall pay maternity insurance premiums to the local social insurance agency. The proportion of maternity insurance premiums shall be determined by the local people** according to the maternity allowance and maternity medical expenses of female employees who have given birth in the plan, and the maximum shall not exceed 1% of the total salary, and the individual employees shall not pay. After a female employee of an insured unit gives birth or has a miscarriage, her maternity allowance and maternity medical expenses shall be paid by maternity insurance**.

The maternity allowance is calculated and paid according to the average monthly salary of employees in the previous year; Maternity medical expenses include examination fees, midwifery fees, surgery fees, hospitalization fees, and medicine expenses for female employees who give birth or have a miscarriage (medical service fees and medicine expenses that exceed the provisions of the town regulations shall be borne by the employees themselves), as well as medical expenses for diseases caused by childbirth after female employees are discharged from the hospital.