How to pay the maternity insurance of the employee medical insurance, and how to pay the maternity i

Social security includes five insurances: endowment, medical care, unemployment, work-related injury and maternity. If you have a workplace, medical insurance is shared by both the employer and the individual, while maternity insurance is paid by the company, and the individual does not pay, and the individual cannot pay.

Medical insurance and maternity insurance are two types and do not conflict. Of course, you have to pay for medical insurance. First of all, tell you about the reimbursement policy of medical insurance:

1.Medical insurance is divided into two accounts, personal account, the money embodied in the medical insurance card, can be used to buy drugs in designated pharmacies, the payment of outpatient expenses and the payment of the self-paid part of hospitalization expenses; The pooled account is managed by the medical insurance center, and the expenses incurred by the insured persons in line with the local medical insurance reimbursement are paid by the pooled account.

2.At the time of medical treatment, show the medical insurance card to the designated hospital to prove the identity of the insured and **, the part of the medical insurance reimbursement is settled by the medical insurance and the hospital, the individual does not need to pay first and then reimbursement, at the time of checkout, the part paid by the individual is paid by himself with the balance of the medical insurance card and cash.

3.When hospitalization reimbursement, there is a starting line (the starting standard is generally 10 of the average annual salary of employees in the city in the previous year), that is to say, the money of the starting line needs to be paid by yourself, and the part that exceeds the minimum payment line can be reimbursed according to the provisions of local medical insurance, and the reimbursement ratio is different from place to place, and different hospitals and different projects are also different, can not be specific to you, about 80%, you can go to the local labor security network for details.

1. Maternity insurance is usually stipulated to be paid for one year, and the current payment is still being made, you can enjoy the relevant benefits of maternity insurance. However, maternity insurance is a typical local policy, with regulations ranging from 10 months to 6 months or less. Therefore, it is recommended that you consult your local social security center (unified consultation**:

12333), whichever is theirs.

2. The benefits of maternity insurance include:

1) Maternity allowance (salary during maternity leave, general standard: average monthly salary of female employees in the first 12 months of childbirth, 30 days of maternity leave);

2) Maternity medical expenses (including medical examination fees, midwifery fees, surgery fees, hospitalization fees and drug fees incurred due to pregnancy and childbirth, etc.);

3) Medical expenses incurred during family planning surgery;

4) Other expenses related to maternity insurance stipulated by the state.

How to use maternity insurance for male employees.

Legal analysis: The employer shall pay the maternity insurance premium in accordance with the national regulations, and the employee shall not pay the maternity insurance premium.

Legal basis: "Population and Family Planning Law of the People's Republic of China" Article 25 Couples who give birth to children in accordance with the provisions of laws and regulations may receive incentives for extended maternity leave or other welfare benefits.

Special Provisions on Labor Protection for Female Employees》 Article 7 Female employees are entitled to 98 days of maternity leave after giving birth, of which 15 days may be taken before childbirth; In case of dystocia, the maternity leave shall be increased by 15 days; In the case of multiple births, the maternity leave can be increased by 15 days for each additional child. If a female employee is pregnant for less than 4 months and has a premature birth, she is entitled to 15 days of maternity leave; If the pregnancy is 4 months old and the miscarriage occurs, the employee is entitled to 42 days of maternity leave.

Social Insurance Law of the People's Republic of China

Article 53 Employees shall participate in maternity insurance, and the employer shall pay the maternity insurance premiums in accordance with the provisions of the State, and the employees shall not pay the maternity insurance premiums.

Article 54 Where an employer has already paid maternity insurance premiums, its employees shall enjoy maternity insurance benefits; The unemployed spouse of an employee shall be entitled to maternity medical expenses in accordance with the provisions of the state. The required funds are paid out of maternity insurance**. Maternity insurance benefits include maternity medical expenses and maternity allowances.

Article 55 Maternity medical expenses include the following:

1) Medical expenses for childbirth;

2) the cost of family planning medical files;

3) Other project expenses as provided for by laws and regulations.

Article 56 Under any of the following circumstances, employees may enjoy maternity allowance in accordance with the provisions of the State:

1) Female employees are entitled to maternity leave when they give birth;

2) Take leave for family planning surgery;

3) Other circumstances provided for by laws and regulations.

The maternity allowance shall be calculated and paid according to the average monthly salary of the employee in the previous year.

Legal analysis: If you pay social security by yourself, you cannot enjoy maternity insurance. One of the main conditions for the insured population of maternity insurance is that employees who have established labor relations with the employer, including male employees, should participate in maternity insurance.

Individuals who pay social security are self-employed or freelancers, so they are not allowed to participate in maternity insurance. The premise is that the employee is the worker, and the individual payment does not belong to the scope of reimbursement. Bureau up.

Legal basis: Tongyu Lao, "Social Insurance Law of the People's Republic of China" Article 53 Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with national regulations, and employees shall not pay maternity insurance premiums.

Hello, maternity insurance can not be paid by yourself, but can only be paid by the enterprise, even if you pay social security as a flexible employee, you can only pay medical insurance and pension insurance, but you can't pay maternity insurance, work-related injury insurance and unemployment insurance. According to Article 53 of the Social Insurance Law, employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with national regulations, and employees shall not pay maternity insurance premiums.

Maternity insurance is a kind of promotion benefit provided by the company to employees, that is, individuals cannot pay maternity insurance by themselves.

1. Employees who pay maternity insurance premiums shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with national regulations, and employees shall not pay maternity insurance premiums. The proportion of maternity insurance contributions in Beijing is rising to the following points: enterprises pay maternity insurance premiums according to the payment base of employees; The contribution ratio of maternity insurance in Guangzhou is:

Enterprises pay maternity insurance premiums according to the payment base of employees.

Summary. 1. Payment of maternity insurance: The insured units shall pay work-related injury and maternity insurance premiums in proportion to the total wages of all employees in the current year, and individual employees shall not pay.

The work-related injury and maternity insurance premiums payable by each unit shall be collected by the tax department. All employees who claim to enjoy work-related injury and maternity insurance benefits must participate in work-related injury and maternity insurance before they can apply for work-related injury and maternity insurance benefits. On the contrary, the social insurance agency will not handle it.

2. The scope of maternity insurance generally stipulates: 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 for 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.

Hello, I am glad to answer for you, clear answer: how to pay maternity insurance: maternity insurance premiums are paid by the employer on a monthly basis, and individual employees do not pay maternity insurance premiums.

The employer shall pay the maternity insurance premium at a rate of 1% according to the base amount of the basic endowment insurance premium paid by the employee who has failed in service.

1. Payment of maternity insurance: The insured units shall pay the insurance premiums for the injury and maternity insurance according to the proportion of the total wages paid by all employees in the current year, and the individual employees shall not pay. The work-related injury and maternity insurance premiums payable by each unit shall be collected by the tax department.

All employees who claim to enjoy work-related injury and maternity insurance benefits must participate in work-related injury and maternity insurance before they can apply for work-related injury and maternity insurance benefits. On the contrary, the social insurance agency will not handle it. 2. General provisions on the scope of maternity insurance:

1. Maternity medical expenses. The examination fees, midwifery fees, manual lead skin 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 for self-financed drugs and nutritional medicines) in excess of the regulations shall be borne by the employees.

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. From the above, it can be seen that maternity insurance should be paid by the employer in accordance with the law, and the individual employee does not pay.

Is there no maternity insurance for this?

Hello, I'm glad to answer for you, clear answer: yes, dear, if you pay it personally, there is no maternity insurance itself.