How much can be reimbursed by medical insurance for giving birth, and how much can medical insurance

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.

Medical insurance can be reimbursed for the birth of a child, but only if you need to pay the insurance premium. The reimbursement of urban medical insurance for giving birth to children is generally 60%-80%. If you pay maternity insurance, then there are medical expenses at the time of childbirth in the maternity insurance benefits.

Article 55 Medical expenses for childbirth include the following: (1) medical expenses for childbirth; (2) Medical expenses for family planning; (3) Other project expenses provided for by laws and regulations. Article 56 Under any of the following circumstances, employees may enjoy maternity allowance in accordance with state regulations:

1) Female employees are entitled to maternity leave when they give birth; (2) Enjoy 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. If you do not have maternity insurance, then if there is medical insurance, you can only be reimbursed for medical expenses.

Article 54 of the Social Insurance Law of the People's Republic of China provides that if an employer has 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 of the Social Insurance Law of the People's Republic of China provides that maternity medical expenses include the following: (1) medical expenses for childbirth; (2) Medical expenses for family planning; (3) Other project expenses provided for by laws and regulations.

The reimbursement of employee medical insurance and resident medical insurance is different, and the amount of reimbursement will be different depending on the mode of production.

If it is reimbursed by employee medical insurance, it can basically reimburse about 60% to 80% of the cost, but the social security handled by employees includes maternity insurance, so the birth of a child is basically reimbursed by maternity insurance, and if a female employee gives birth, it can generally be reimbursed by more than 75% with maternity insurance.

If you use resident medical insurance, then you will basically receive a fixed subsidy of 300 yuan for smooth delivery in a township-level designated hospital; If you give birth in a designated hospital at or above the county level, you will receive a fixed subsidy of 450 yuan. However, if it is a caesarean section, the general medical expenses can be reimbursed if they exceed 2,000, and 45% can be reimbursed if they are between 2,000 and 7,000; And the part over 7,000 can be reimbursed 65%.

Extended Materials. The social medical insurance card (referred to as the medical insurance card or medical insurance card) is a special card for medical insurance personal accounts, which uses the personal ID card as the identification code to store the personal ID number, name, gender, and the allocation and consumption of account funds.

The social medical insurance card is generally undertaken by the local designated ** bank, and after the insured unit pays the fee, the local medical insurance department will entrust the bank to pay the personal account part of the personal account at the end of the month to the personal medical insurance card of the insured employees.

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Childbirth health insurance can reimburse about 60% to 80% of the cost. The process of paying medical insurance on the mobile phone:

1. Install and open the relevant software for medical insurance on your mobile phone, and select the option of [Insurance Payment] after registering and logging in on the homepage and click to enter;

2. It will jump to a new interface, select the first option [Resident Medical Insurance Payment] and click to enter;

3. You can choose to pay for others, as long as you [switch family members], but low-income households and students need to go to the community to pay, if there is no problem, click [Go to pay];

4. Under [Resident Medical Insurance Payment], there will be relevant options that need to pay medical insurance, and you can click [Next] according to your choice. Prompt the amount to be paid, and then select [I have agreed to the payment instructions] and then select [Payment].

Article 4 of the Social Insurance Law of the People's Republic of China.

Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.