Maternity insurance does not meet the reimbursement conditions and scope. Maternity insurance is a social insurance system in which the state and society provide medical services, maternity allowance and maternity leave when pregnant and pregnant female workers temporarily stop working, and the state or society provides necessary economic compensation and medical care for maternity workers. To enjoy maternity insurance benefits, employees should meet the following conditions at the same time: 1, and the employer has paid for employees for more than 1 year and continues to pay for them; 2, in line with national and provincial population and family planning laws and regulations.
Social insurance is a social and economic system that provides income or compensation for people who have lost their ability to work, are temporarily unemployed or suffer losses due to health reasons, and occupies a core position in the whole social security system. Its main items include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. The social insurance plan is organized by the government, forcing a certain group to pay social insurance taxes (fees) to form a social insurance fund. Under certain conditions, the insured can get a fixed income or compensation for losses. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability. In China, social insurance is an important part of the social security system, occupying a core position in the whole social security system. In addition, social insurance is a contributory social security. The funds are mainly paid by employers and workers themselves, and the government finances give subsidies and bear the ultimate responsibility. However, workers can only enjoy the corresponding social insurance benefits if they fulfill their statutory payment obligations and meet the statutory conditions. It is the obligation of employers and workers to participate in social insurance according to law. Even if the social security has been paid for 15 years, as long as there is a labor-employment relationship, it is necessary to participate in the insurance according to law.
To sum up, maternity insurance is aimed at the physiological characteristics of reproductive behavior. According to the law, when working women temporarily stop working and lose their normal source of income due to childbirth, the state or society provides them with material help. Maternity insurance benefits include maternity allowance and maternity medical services. The maternity insurance fund consists of the maternity insurance premium paid by the employer and its interest and overdue fine. Maternity allowance for female employees during maternity leave, medical expenses incurred during maternity leave, family planning operation expenses for employees and other expenses related to maternity insurance stipulated by the state shall be paid from the maternity insurance fund, except for expenses incurred by children.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 54
The employer has paid maternity insurance, and its employees enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund.
Maternity insurance benefits include maternity medical expenses and maternity allowance. .