How to use maternity insurance, how to use maternity insurance

Reimbursement process of maternity insurance: 1. After a female employee becomes pregnant, has a miscarriage or has a family planning operation, she shall be assisted by the employer or the staff of the labor security service station of the street or town; 2. After acceptance and approval, the medical certificate will be issued; 3. Within 30 days of maternity leave, the above-mentioned personnel shall assist in the settlement of benefits; 4. Apply for maternity allowance and nutrition subsidy, fill in the relevant **, and submit the information for processing.

After 12 months of social security payment, not only do you not have to spend 1 cent when giving birth, but you also get a maternity allowance. Because the maternity insurance in the social security includes maternity medical treatment and maternity allowance, not only can you reimburse the cost of surgery to give birth, but you can also get maternity allowance during maternity leave. This money, no tax deduction, after giving birth, directly to the salary card, the boss can't touch a point, all belongs to you.

1. After a female employee becomes pregnant, has a miscarriage or has a family planning operation, the employer or the staff of the street or town labor security service station shall bring the application materials to the maternity insurance window of the district social labor insurance office;

2. After the staff accepts and approves the application, the medical certificate will be issued;

3. Within 30 days of maternity leave, the employer or the staff of the labor security service station of the neighborhood or town shall bring the application materials to the maternity insurance window of the district social labor insurance office to handle the settlement of benefits;

4. After the staff accepts and approves the application, the maternity medical expenses and maternity allowance shall be paid.

Extended Information] What are the specific items of maternity insurance?

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.

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.

What are the documents for applying for maternity insurance?

1.Family planning certificate issued by the family planning department (original and photocopy);

2.Certificate of birth (death) of the baby issued by the medical department (original and photocopy);

3.ID card of female employees and family planning surgery employees (original and photocopy);

4.Examination and approval form of maternity medical certificate for enterprise employees;

5.Application Form for Medical Certificate for Family Planning Surgery for Employees of Enterprises;

6.Application form for reimbursement of maternity medical expenses for employees of the enterprise;

7.Approval and settlement of maternity insurance benefits for employees of enterprises;

8.Application Form for Maternity Insurance for Employees of Enterprises to Seek Medical Treatment in Other Places;

9.Maternity medical expense bills, expense lists, outpatient medical records, discharge summaries and other original materials;

10.Receipt of payment.

To sum up, the maternity insurance that employees usually pay can be used after they give birth to a child, prepare a social security card, ID card and birth certificate and a list of hospital expenses, etc., and the social security bureau will issue the maternity allowance within half a month after review. In the social security project, the maternity insurance does not need to be paid by the individual employee, and all the maternity insurance is borne by the unit.

1.The use of maternity insurance is mainly that the medical expenses incurred by female employees during pregnancy, childbirth or termination of pregnancy can be reimbursed by maternity insurance. Female employees are also entitled to maternity allowance during maternity leave.

The maternity allowance is based on the average monthly salary of employees in the previous year, calculated and paid according to the prescribed maternity leave, and paid by the maternity insurance. Female employees are entitled to maternity leave, which is basically 98 days, of which 15 days can be taken before childbirth. Female employees are entitled to a one-time maternity nutrition subsidy, which is calculated and paid according to a certain percentage of the average monthly salary of employees in the overall planning area in the previous year.

Male employees are entitled to nursing leave in accordance with the provisions of maternity insurance, and there is a leave allowance during the nursing leave. The holiday allowance is calculated and paid based on the average monthly salary of the employees in the overall planning area in the previous year and according to the prescribed vacation time.

2.The use of maternity insurance can be divided into two points. First, maternity insurance includes maternity allowance.

The maternity allowance is related to the average salary of the employee in the previous year and the number of days of maternity leave. The formula for calculating the maternity allowance: the average annual salary of the employee last year is multiplied by the number of maternity leave days and then divided by 30, which is the remaining allowance, which is generally speaking, everyone can receive an allowance of more than 10,000 yuan, and even many people can receive an allowance of 100,000 yuan!

Second, maternity insurance is reimbursable. This reimbursement is not only the reimbursement for fertility production, but also some of the expenses for some of these examinations.

Extended Materials. What is 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 pregnant women workers temporarily interrupt their work, and the state or society provides necessary economic compensation and medical care to employees who give birth. There are two main types of maternity insurance benefits in China. The first is the maternity allowance, and the second is the maternity medical treatment.

Maternity medical treatment refers to the cost of examinations, midwifery, surgery, hospitalization and medicine during childbirth or miscarriage. To put it simply, maternity allowance means that in the process of female employees taking maternity leave, they will be paid according to the average salary of the unit in the previous year. The Ministry of Human Resources and Social Security's Measures for Maternity Insurance (Draft for Comments) has been open to the public for comments since November 20, 2012.

The draft makes it clear that maternity insurance benefits will no longer be limited to household registration, and employers must pay maternity fees if they do not pay maternity insurance.

Medical treatment of maternity insurance: The medical expenses incurred by female employees during pregnancy, childbirth and puerperium shall be compensated by maternity insurance** according to the following fixed standards: premature birth, natural delivery and delivery with midwifery procedures for more than 7 months of pregnancy (including 7 months) shall be subsidized according to the fixed standard of 2,000 yuan per birth.

In case of dystocia during childbirth, the cesarean section is performed, according to the fixed standard subsidy of 3,500 yuan per birth, and the male employee of the employer who meets the requirements of maternity insurance benefits, and his spouse gives birth to the first child, and the spouse does not participate in the maternity insurance, a one-time medical expense subsidy will be given from the maternity insurance, and the subsidy standard is 50 of the fixed standard (2,000 yuan for normal delivery, 3,500 for caesarean section, the female does not pay the maternity insurance, and the male does pay, and can receive the above amount of general).

Employees who meet the requirements of the "Implementation Measures" shall apply to the designated maternity insurance agency within 3 months after giving birth or after surgery to apply for maternity insurance benefits.

The following materials shall be provided when applying: the ID card of the insured person, the family planning certificate issued by the family planning management department, the reproductive medical certificate issued by the medical institution, the labor contract (or employment contract) signed between the employer and the worker, and the one-time medical subsidy for the male employee who is entitled to the maternity insurance, and the original certificate of marriage certificate and maternity medicine and medical expenses.

Maternity insurance. There are three parts, which are maternity leave.

There are three parts: maternity medical treatment and maternity allowance.

Maternity leave and maternity allowance are well understood, mainly look at maternity medical treatment:

If a pregnant woman is employed, she can use her maternity insurance to register for medical treatment

Prepare the materials according to the requirements and give the HR agency of the unit to do so.

The following documents are required:

1) Maternity insurance medical registration form.

2) Resident ID card;

3) Social security card;

4) Marriage certificate of both parties;

5) Birth certificate.

If the pregnant woman is a full-time laborer, and her husband's employer has paid social security, she can use her husband's maternity insurance to handle it.

Prepare the materials according to the requirements and give the HR agency of the unit to do so.

The following documents are required:

1) Medical registration form for childbirth and childbirth of the spouse of a male employee;

2) Male employee's social security card;

3) ID cards of both husband and wife;

4) Marriage certificate of both parties;

5) Birth certificate.

If you have already completed the "maternity insurance medical registration", you can tell you to take the maternity insurance when you pay the fee, and if you don't use up the quota this time, you will continue to use it next time.

Maternity expenses include prenatal check-up fees, midwifery fees, surgery fees, hospitalization fees, and medicine fees during childbirth (or miscarriage).

After a female employee is discharged from the hospital after giving birth, the medical expenses for diseases caused by childbirth can also be reimbursed.

Maternity insurance is a social insurance system in which the state and society provide medical services, maternity allowance and maternity leave by the state and society when pregnant and pregnant women workers temporarily interrupt their work. As one of the basic medical insurances, all employees, including male employees, who have established labor relations with the employer, should participate in maternity insurance.

Maternity insurance benefits include maternity medical expenses and maternity allowances. Maternity medical expenses: including medical expenses for childbirth, family planning and other eligible items.

For example, the cost of examination, childbirth, surgery, hospitalization and medicine can all be covered by maternity insurance**. However, it should be noted that this part of the cost is limited, and the part that exceeds the provisions needs to be borne by the employees themselves.

It is worth noting that after a female employee is discharged from the hospital after giving birth, if she is sick due to childbirth, the cost of the first child can also be paid by the maternity insurance. At the same time, the insured person should seek medical treatment in the contracted medical service institution, except in the case of emergency and emergency treatment. The medication must also meet the standards of the maternity insurance drug list, diagnosis and treatment items and medical service facilities before it can be paid by the maternity insurance**.

Maternity allowance: mainly refers to the salary taken during maternity leave and maternity leave. For those who have already participated in maternity insurance, the maternity allowance shall be paid by maternity insurance according to the standard of the average monthly salary of employees in the previous year; If the employee does not participate in maternity insurance, the employer shall pay the salary of the female employee before the maternity leave.

After talking about so many related situations of maternity insurance, many people will ask, what is the use of male compatriots paying maternity insurance?

According to the provisions of the Social Insurance Law, the unemployed spouse of an employee is entitled to maternity medical expenses in accordance with national regulations. The required funds are paid out of maternity insurance**. That is to say, stay-at-home wives don't have to worry about not being reimbursed after giving birth, as long as the husband buys maternity insurance, the medical expenses of the full-time wife giving birth to a child can be covered by maternity insurance**.

At the same time, eligible male employees who have participated in the insurance can enjoy the nursing leave allowance according to the regulations, which is calculated and paid according to the prescribed leave time based on the average monthly salary of the on-the-job employees in the overall planning area in the previous year. The number of days varies from place to place, but most are around 10 days.

Insured male employees who meet the following conditions can apply for a one-time maternity subsidy:

Comply with the provisions of the national family planning policy and the legal conditions for childbirth;

When the spouse gives birth or has a miscarriage due to pathological reasons, the employer has participated in maternity insurance and has paid the maternity insurance premiums for the male employee for more than 10 months (excluding supplementary payment, underpayment and interruption payment);

The spouse is not covered by maternity insurance and has a first child.

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