Can I pay for maternity insurance by myself?

Maternity insurance.

Maternity insurance is a social insurance system in which the state passes legislation to provide medical services, maternity allowance and maternity leave by the state and society when pregnant and childbirth 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.

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.

Maternity insurance is a social insurance system that stipulates through national legislation that the state and society will provide timely material assistance to workers when their labor force is temporarily interrupted due to the birth of children. 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.

Its purpose is to provide working women with maternity benefits, medical care and maternity leave to help them regain their ability to work and return to work.

Crowd. All employees, including male employees, who have established labor relations with the employer, shall participate in maternity insurance. [2]

Payment of fees. Employers pay maternity insurance premiums in accordance with state regulations, and employees do not pay maternity insurance premiums.

The proportion of maternity insurance payment in Beijing is: enterprises pay maternity insurance premiums according to the payment base of employees;

The proportion of maternity insurance payment in Guangzhou is: enterprises pay maternity insurance premiums according to the payment base of employees.

Maternity insurance is paid in full by the enterprise and does not need to be paid by individuals.

Maternity insurance cannot be paid by yourself.

Maternity insurance is paid by the employer and cannot be paid by the individual. This is because the employer is legally responsible for the employee's social security contributions, and needs to pay the employee's social security premiums, including maternity insurance. If individuals can pay maternity insurance on their own, it will increase the difficulty of social security management and is not conducive to protecting the rights and interests of employees.

The enjoyment of the health insurance needs to meet certain conditions, such as complying with the family planning policy and applying for maternity allowance within the specified time. If individuals can pay maternity insurance on their own, it will be difficult to ensure the conditions for enjoying maternity insurance benefits, and it is not conducive to the stability of social security management and social insurance system.

Maternity insurance is a social insurance system managed in a unified manner, which needs to supervise and manage the employer's contributions and employees' social security rights and interests. If Liang Jin can pay maternity insurance on his own, it will increase the difficulty of supervision, and it is not conducive to the implementation of the social insurance system and social stability.

The role of maternity insurance

1. The basic rights and interests of women have been guaranteed.

It not only enables women to pass the childbearing period safely and healthily, but also creates conditions for them to work normally in the future. Maternity insurance provides them with pregnancy check-ups, medical services, maternity allowances and paid leave, which guarantees their physical health and basic life during childbirth, and relieves them of worries.

2. It is conducive to improving the quality of the population and ensuring the reproduction of the social labor force.

Human reproduction and generational continuation are the basis for the survival of society. In order to improve the quality of the population, it is first necessary to protect the health of mothers. If the livelihood of female employees during childbirth is not guaranteed, they will be forced to reduce the necessary health care and nutrition standards due to living difficulties, which will directly affect the healthy survival and growth of infants.

3. It is conducive to the implementation of the national population policy.

China implements the basic national policy of family planning and eugenics, and now the state implements the policy of having a single second child, providing more future generations with the guarantee of eugenics, starting from long-term interests, to know and understand, and to promote the implementation of the basic national policy.

4. Create conditions for fair competition for enterprises.

Due to the characteristics of the industry and the different social division of labor, some enterprises have a high proportion of women, while others have a low proportion, and the implementation of maternity insurance is conducive to balancing the burden of maternity expenses on enterprises and promoting fair competition among enterprises.

5. Promote women's equal employment.

The implementation of maternity insurance, female employees enjoy paid leave in accordance with the law, and the basic living and medical care expenses required are compensated by maternity insurance**, which relieves the worries of enterprises after women are employed, is conducive to overcoming gender discrimination in the field of employment, and plays a great role in promoting the realization of the goal of equal employment and equal pay for equal work between men and women.

[Legal Analysis].: Tuanzhou pays social security by itself and has no maternity insurance. The reasons for the virtual or family are as follows.

1. In accordance with the law and in order to standardize the social insurance relationship, maternity insurance is paid by the company and the enterprise on behalf of the employee; 2. In order to safeguard citizens' participation in social insurance, safeguard the treatment of citizens' rights to social insurance, and enable citizens to share the fruits of their labor, individuals can only pay their own maternity insurance policies when the local government adopts the policy of 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 the maternity insurance premiums in accordance with the provisions of the State, and the employees shall not pay maternity insurance.

Article 55 Medical expenses for childbirth include the following: medical expenses for childbirth; medical expenses for family planning; Other project expenses stipulated by laws and regulations.

Article 56: In any of the following circumstances, employees may enjoy maternity allowances in accordance with state provisions: female employees are entitled to maternity leave when they give birth; Take leave for family planning surgery; Other circumstances stipulated by laws and regulations.

The above is only the current information combined with my understanding of the law, please refer to it carefully!

If you still have questions about this issue, it is recommended that you organize the relevant information and communicate with a professional in detail.

Maternity insurance cannot be paid by yourself. It must be attached to the unit, and the unit shall pay for it. According to the provisions of the "Trial Measures for Maternity Insurance for Employees of Enterprises", maternity insurance implements social co-ordination, establishes a first-class source of maternity insurance, and pays maternity insurance premiums to social insurance agencies by enterprises, and individual employees do not pay maternity insurance premiums.

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

[Legal basis].Article 53 of the Full Text of the Social Insurance Law of the People's Republic of China 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 dear, I am happy to answer your questions, maternity insurance is a kind of social insurance, according to the provisions of the Social Insurance Law, employers should participate in maternity insurance for their employees in accordance with the law. Therefore, under normal circumstances, the cost of maternity insurance is paid jointly by the employer and the individual at a certain percentage. The specific payment ratio and payment method can vary according to the relevant local regulations.

For people who do not have an employer, such as self-employed businesses or freelancers, they can also participate in maternity insurance, but they need to apply for individual maternity insurance procedures at the local social insurance administrative department and pay the corresponding insurance premiums in accordance with the regulations. Therefore, if you are a freelancer or a self-employed business, you can go to the local social insurance administrative department to learn about the types of social insurance you can participate in and the specific payment methods, and pay the maternity insurance fees by yourself in accordance with the regulations. However, if you work for an employer, the employer will usually pay for the maternity insurance for you, and you do not need to pay separately.

Hello, dear, I am happy to answer for you, maternity insurance can not be paid by yourself. Maternity insurance is paid by the employer in accordance with the contribution ratio stipulated by the state, and individual employees do not need to pay it, nor can they pay it themselves, so if they want to pay maternity insurance by themselves after resigning, it is not possible. As long as the employee has established an employment relationship with the employer, including men, they should participate in maternity insurance to protect themselves.

If the insured ceases to work as a paid worker, the employer does not pay the insured any more wages, and the insurance paid must reach a certain amount. The insured person must have reached the working period.