If you start to apply for insurance after giving birth, how can you pay maternity insurance?

Xueba says insurance, to help you avoid all the pitfalls of buying insurance for your children! This year, the comparison table of 136 hot-selling critical illness insurance for children aged 0-18 has been updated

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How to buy insurance for your child

I don't know how many parents who want to give their babies comprehensive protection are stumped by this problem, so let's take a good look at how this problem should be solved! Follow these three points:

First, medical insurance must be handled well, which is the basic guarantee of the people!

Newborn medical insurance (urban and rural residents' medical insurance) is the national basic insurance, the child should be born immediately handled, whether serious or minor illness, the basic medical insurance is particularly important, this is the basic security benefits given by the state, must be handled well.

Second, after the medical insurance is handled, you can consider configuring commercial insurance for your child, giving priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, which provides a relatively long period of protection. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to solving the first expense, it can also solve a lot of additional expenses caused by illness, such as children who miss their studies due to illness, and even some subsequent life losses, all need to use a lot of cash. Buying a pure protection critical illness insurance can just solve these problems in the future.

Let's talk about why we need to configure medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, if you configure a 0 deductible hospitalization medical insurance, you can buy an insurance amount of 10,000 yuan as long as one or two hundred yuan a year, which is cost-effective and practical.

Finally, it is necessary to configure an accident insurance, it is very cheap for children to buy accident insurance, and the amount of insurance of 20w is only sixty or seventy yuan per year, you don't think it costs much, but in fact, the protection is quite extensive, accidental death, disability, and accidental medical liability are within the scope of protection, which is particularly practical.

Third, what are the insurance policies that are not recommended for children?

Don't buy life insurance for your children, and try not to think about critical illness insurance with both liabilities attached. I know the specific reasons in this articleHow to buy the most cost-effective child insurance? The most complete insurance strategy!

There has been a detailed introduction in , so I won't go into too much detail here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is cheap and useful.

That's all for me"If you start to apply for insurance after giving birth, how can you pay maternity insurance?"All of them, I hope it helps you! Hope!

Maternity insurance is collected by the social insurance institutions under the Human Resources and Social Security Bureau, and is levied by the enterprise, and is co-ordinated by the society.

It is useful if you plan to have another child.

Maternity insurance is a type of insurance designed specifically for childbirth, and it is useless if you do not plan to give birth.

After giving birth, maternity insurance is generally reimbursed in the second month, and the reimbursement can be made within the current year at the latest.

Maternity Insurance Reimbursement Conditions:

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.

Maternity Insurance Reimbursement Coverage:

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 the maternity insurance** for other diseases, which 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.

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Legal analysis: After giving birth, you still have to pay maternity insurance. Maternity insurance will be included in the overall account, and the employer needs to continue to pay maternity insurance for its current employees until the retirement of those who return to work or leave the office or miss the department. However, the employee himself does not need to pay maternity insurance.

Legal basis: 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 the provisions of the State, and employees shall not pay 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 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.

Maternity insurance process:

Maternity insurance is a compulsory insurance, paid by the unit where I belong, and the employer must pay for you, individuals are unable to pay, maternity insurance is a social policy to protect the rights and interests of female employees under the national law of the state, and regardless of whether the fetus is born normally, even if the fetus dies, miscarriage and so on can enjoy maternity insurance.

1.Before enjoying the maternity allowance, the unit needs to apply for maternity insurance for itself, and needs to prepare three forms, the basic pension, work-related injury and maternity insurance declaration summary table for enterprise employees, the social security registration form, and the increase and decrease table of pension, work and maternity insurance personnel, and these three forms are prepared by the enterprise;

2.The unit shall go to the social labor insurance department with these three forms to declare, and after the labor insurance department accepts the application, it will return two stamped forms;

3.Wait until the next month, the unit can normally pay the maternity insurance premiums of the new employees, which must be paid by the tax department;

5.After giving birth, a female employee submits materials to the social labor insurance department for insurance payment before the maternity leave reaches 30 days (pay attention to the time, it is more troublesome to handle it overdue);

6.After waiting for review, the staff will issue an application form for maternity insurance premiums for employees of urban enterprises;

7.The materials for insurance payment mainly include: the birth status form of employees of urban enterprises, identity information, birth certificates, medical certificates of hospitals, medical settlement lists, etc.;

8.After the approval of the social labor insurance department is completed, I can bring the relevant official documents to the social security department to receive the reimbursement of maternity insurance.

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