1, maternity insurance
Maternity insurance is a part of national social security. If a female worker is unable to work due to childbirth, maternity insurance will provide corresponding material help for the worker.
When employees join the company, the employer needs to insure maternity insurance for female employees in accordance with relevant laws and regulations.
2. Female critical illness insurance
Compared with ordinary critical illness insurance, the biggest feature of female critical illness insurance is that maternity is included in the scope of protection.
Therefore, after insuring the female critical illness insurance, the insured can reimburse the insurance company for the medical expenses incurred during childbirth.
3. Maternal and child insurance
This is an insurance that provides protection for both pregnant women and babies. Maternal and child insurance can not only provide reimbursement for medical expenses incurred in childbirth, but also provide protection for various diseases or accidents during pregnancy (such as disseminated vascular coagulation, ectopic pregnancy, choriocarcinoma, malignant mole) and congenital diseases of infants (such as congenital hydrocephalus and cleft lip).
Insured population
All employees, including male employees, who have established labor relations with the employing unit shall participate in maternity insurance.
Payment of expenses
Employers pay maternity insurance premiums in accordance with state regulations, and employees do not pay maternity insurance premiums.
The payment ratio of Beijing maternity insurance is: enterprises pay maternity insurance premium according to 0.80% of the employee payment base;
The proportion of maternity insurance payment in Guangzhou is: enterprises pay maternity insurance premium according to 0.85% of the employee payment base.
Reimbursement conditions
maternity insurance
Employees who enjoy maternity insurance benefits shall meet the following conditions:
1, the employer has paid social security for the employees for a certain period of time; Policies vary from place to place. For example, Beijing requires continuous payment of social security for 9 months, Guangzhou requires cumulative payment of social security 1 year, and Shanghai requires payment of social security in the month of production.
2, has been insured for the record, and was born locally;
3. Other conditions required by the local human resources and social security bureau.
range
general clause
1, maternity medical expenses.
The examination fee, delivery fee, operation fee, hospitalization fee and medicine fee for the birth of female employees shall be paid by the maternity insurance fund. Medical business expenses and drug expenses (including self-funded drugs and nutritional drugs) exceeding the prescribed amount shall be borne by the employees themselves.
After the female workers are discharged from the hospital, the medical expenses for diseases caused by childbirth shall be paid by the maternity insurance fund; The medical expenses of 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 rest and treatment due to illness, it shall be handled in accordance with the relevant provisions on sick leave and medical insurance benefits.
2. Maternity allowance.
Female employees shall enjoy maternity allowance according to law during maternity leave, which shall be calculated and paid by maternity insurance fund according to the average monthly salary of employees in the previous year.
Regulations of Guangdong Province
1, maternity medical expenses.
Medical expenses incurred by female workers during pregnancy, childbirth or termination of pregnancy.
2. Maternity allowance.
Female employees enjoy maternity allowance during maternity leave. Maternity allowance is based on the average monthly salary of employees in the last year as a whole, and is calculated and paid in accordance with the provisions of maternity leave. If the maternity allowance is lower than my salary standard, it shall be made up by the employer.
Maternity allowance = the average payment salary of this unit in the current month ÷30 (days) × holiday days.