Maternity insurance is a social insurance system in which the state and society provide timely living security and material assistance to working women who temporarily stop working due to maternity through national legislation. It mainly includes two items: one is maternity allowance; The second is reproductive medicine.
The living security and material assistance provided by maternity insurance usually include cash subsidies and in-kind supplies. Cash subsidy mainly refers to the maternity allowance given to pregnant women in time. Some countries also include a one-time cash grant or family allowance. Physical supply mainly refers to providing necessary medical care, medical services and daily necessities for pregnant women and babies. The scope, conditions and standards provided are mainly determined according to the economic situation of the country.
The purpose of establishing maternity insurance is to protect the health of working women in childbearing state, alleviate their economic difficulties caused by childbirth and ensure the continuation of labor reproduction. Maternity insurance not only refers to the compensation for the expenses of maternity operation and hospitalization of female employees through the establishment of social maternity fund, but also includes the compensation for the female employees who cannot get wage income because they are not engaged in labor during the prescribed maternity leave.
legal ground
Social insurance law
Fifty-fifth maternity medical expenses include the following:
(1) Maternity medical expenses;
(two) family planning medical expenses;
(3) Other project expenses stipulated by laws and regulations.
Article 56
Workers in any of the following circumstances can enjoy maternity allowance in accordance with state regulations:
(1) Female employees enjoy maternity leave;
(2) Enjoy family planning operation leave;
(3) Other circumstances stipulated by laws and regulations.
Maternity allowance is calculated and paid according to the average monthly salary of employees in the previous year of the employer.