How much money can you get for maternity insurance, and how much money you can get for paying matern

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.

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"

Legal analysis: Maternity medical expenses, because each region is different, so the standard of dust sales is different, but the majority of young women need to pay attention to the fact that there is an upper limit on maternity medical expenses, roughly around 5,000 yuan, and the excess part needs to be borne by themselves.

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 or other benefits for extended maternity leave.

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 has a miscarriage before 4 months of pregnancy, she is entitled to 15 days of maternity leave; If the pregnancy is 4 months old, the child 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) Medical expenses for family planning;

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.

Summary. Hello, maternity insurance can give 5000 money, the so-called reimbursement refers to the medical expenses incurred in the process of childbirth, surgery, medical expenses, examination fees, etc., assuming that the total cost of childbirth is 5000 yuan, according to the 70% reimbursement ratio, then 3500 yuan can be reimbursed. Therefore, how much reimbursement can be reimbursed depends on how much money you have spent, as well as what the local reimbursement ratio is, of course, some examination items and drugs are not included in the scope of reimbursement, which is similar to medical insurance.

Hello, maternity insurance can give 5000 money, the so-called reimbursement refers to the medical expenses generated in the process of childbirth, surgery, medical expenses, examination fees, etc., assuming that the total cost of childbirth is 5000 yuan, according to the 70% reimbursement ratio, then you can lose 3500 yuan. Therefore, how much reimbursement can be reimbursed depends on how much money you have spent, as well as what the local reimbursement ratio is.

Legal analysis: there is no unified provision for the reimbursement of maternity insurance, maternity insurance reimbursement includes medical expenses and family planning fees, and the reimbursement ratio has different Hui Peiling regulations in different regions, generally the woman's maternity insurance can be reported 75%, and the man's maternity insurance can be reported 50%, which can only be reported to one party; The reimbursement of maternity medical expenses is generally reimbursed in a fixed amount, and the reimbursement amount is not the same according to the different modes of production. In addition, the reimbursement regulations are different in different regions, and the specific local regulations shall prevail.

In Changsha, for example, the reimbursement amount for caesarean section is 4,000 yuan, and the reimbursement amount for natural delivery is 2,000 yuan.

Legal basis: Article 55 of the Social Insurance Law or Article 55 of the Law on Social Insurance Maternity Medical expenses include the following: (1) medical expenses for childbirth, (2) medical expenses for family planning, and (3) expenses for other items stipulated by laws and regulations. Article 56: In any of the following circumstances, employees may enjoy maternity allowances in accordance with the provisions of the State: (1) Female employees are entitled to maternity leave for childbirth, (2) Leave for family planning and regimental leave, and (3) other circumstances provided for by laws and regulations.

Generally speaking, maternity insurance covers two parts: maternity medical expenses and maternity allowance

1. Maternity medical expenses: This part generally refers to the cost of delivery, caesarean section, prenatal examination, and hospitalization, because each region is different, so the reimbursement standard is different, but the majority of young women need to pay attention to the fact that there is an upper limit on the cost of childbirth medical expenses, roughly around 5,000 yuan, and the excess part of Pei Zhen Zheng needs to bear the burden himself.

2. Maternity allowance cost: The maternity allowance cost covers the living expenses during maternity leave and maternity leave, and the formula is [the amount of maternity allowance = the average "wage base" paid by the unit in the month of delivery 30 days of maternity leave].