New Provisions on Maternity Insurance in Guangdong Province:
1. Cancel the one-time maternity nutrition subsidy.
The new policy of maternity insurance in Guangdong Province cancelled the one-time maternity nutrition subsidy. The so-called one-time nutritional subsidy refers to the payment of subsidies according to the differences of natural childbirth, dystocia, multiple births and abortion, and according to the different standards of 25%, 50%, 50% and 25% of the average monthly salary of employees in this city last year. According to the average monthly salary of Guangzhou employees of 5808 yuan, it is about 1452 yuan and 2904 yuan. In addition, the "first-and second-class hospital delivery subsidy" 300 yuan.
2. The hospitalization expenses during pregnancy are paid by the medical insurance fund.
The New Deal stipulates that if hospitalization is needed for reasons such as miscarriage prevention, the hospitalization expenses will be paid by the medical insurance fund. The scope of maternity insurance fund payment is limited to: the expenses for childbirth, surgery, hospitalization, medicines, pregnancy complications and the diagnosis and treatment of complications.
3. You can get a 20% discount if the insurance is not satisfied 1 year.
According to the previous maternity insurance regulations, employees who pay maternity insurance less than 1 year will not enjoy maternity insurance benefits. The new policy appropriately reduces the conditions for enjoying the treatment: the insured who pay less than 1 year will be given delayed reimbursement of maternity medical expenses. The reimbursement standard is 80% of the fixed settlement standard of the designated medical institutions at the same level in this Municipality, and the remaining 20% shall be shared by the employer or individual. In addition, in view of the practice of giving birth to children in hospitals without maternity insurance reimbursement vouchers, the Measures also give new norms: those who have not gone through medical confirmation procedures or failed to seek medical treatment according to regulations will be given a one-time maternity medical expense subsidy, and the subsidy limit standard is 60% of the fixed settlement standard of designated medical institutions at the same level in this city.
4. A wife can enjoy her husband's maternity insurance benefits.
Institutional arrangements have been made for the maternity protection of unemployed spouses of male employees, overseas personnel who are legally employed in this city, unemployed people, retirees and those who have lost the support of their employers. As long as the eligible unemployed spouses of this group enjoy the treatment standard of maternity medical expenses, it shall be implemented with reference to the basic medical insurance for urban and rural residents in this Municipality. For example, in 300 yuan, 55% can be reimbursed for the cost of birth check-up and the proportion of reimbursement during maternity hospitalization.
In addition, foreign employees who are employed in Guangzhou can enjoy maternity insurance benefits for less than two times. In the past, these people gave birth in Guangzhou, but they could not enjoy the maternity insurance benefits in Guangzhou because they were outside the family planning policy.
Maternity insurance reimbursement conditions:
Procedures for reimbursement of maternity medical expenses: application conditions: the insured can enjoy reimbursement of maternity medical expenses only if they meet the following conditions:
(1) conforms to the national, provincial and municipal family planning policies (excluding remedial measures for unplanned pregnancy);
(2) The insured has continuously paid the basic medical insurance premium for more than 6 months (inclusive) on the day of abortion, induced labor, birth through birth and cesarean section (subject to the date of delivery or birth of the newborn), and paid the medical insurance premium on time 1 month before birth. Maternity medical expenses reimbursement treatment: Maternity medical expenses that meet the family planning policy are paid by the basic medical insurance fund according to the quota standard. Insured persons who have paid basic medical insurance premiums for less than 6 months in a row cannot enjoy maternity medical treatment; If the basic medical insurance premium has been paid continuously for less than 6 months 12 months, it will be paid at 30% of the quota standard; If the basic medical insurance premium has been paid continuously for more than 12 months, it will be paid at 100% of the fixed standard.
Significance of maternity allowance
1, the implementation of maternity allowance is the recognition of the reproductive value of women. Women's childbearing is the need of social development. While carrying on the family line, they have also made efforts for the reproduction of social labor force and deserve social compensation. Therefore, protecting women's reproductive rights and interests is accepted by most countries and given policy support. 135 countries in the world have passed legislation to protect women's legitimate rights and interests in childbirth.
2, the implementation of maternity allowance is the guarantee of the basic life of female workers. Female employees leave their jobs during childbirth and cannot work normally. The state has formulated relevant policies to ensure that they enjoy relevant treatment when they leave their jobs. These include maternity allowance, medical services and special protection policies when you can't stick to your normal work during pregnancy. It has created favorable conditions for pregnant women to give birth smoothly in terms of living security and health security.
3, the implementation of maternity allowance is to improve the quality of the population. Female reproductive energy consumption is high, which requires adequate rest and nutritional supplement. Maternity insurance provides them with a basic salary, so that their living standards will not be reduced because they leave their jobs. At the same time, provide them with medical services, including prenatal examination and perinatal health care guidance, to monitor the normal growth of the fetus. For women who are sick or exposed to toxic and harmful substances during pregnancy, necessary examinations are carried out. If a deformed child is found, the pregnancy can be terminated as soon as possible. For women with abnormal phenomena during pregnancy, focus on protection and treatment. In order to protect the normal growth of the fetus and improve the quality of the population. In summary, it effectively answered the question of "how much is the state subsidy for giving birth to a second child". The maternity allowance is closely related to the individual salary of the childbearing person and the local subsidy policies, and the author can't give a particularly clear figure here. Employees in various places can effectively calculate the available subsidies according to their salary level in the enterprise and the local maternity subsidy policy, effectively save the documents after giving birth, and timely reimburse the related expenses through the human resources department.
legal ground
Special provisions on labor protection for female employees
Article 7 Female employees shall enjoy 98 days of maternity leave, including 15 days before delivery; In case of dystocia, maternity leave shall be increased 15 days; For multiple births, the maternity leave will be increased by 1 5 days for each additional child. Female employees who miscarry less than 4 months after pregnancy are entitled to 15 days maternity leave; Abortion after 4 months of pregnancy is entitled to 42 days of maternity leave.
Article 8 The maternity allowance for female employees during maternity leave shall be paid by the maternity insurance fund according to the standard of the average monthly salary of employees of the employing unit in the previous year; Those who have not participated in maternity insurance shall be paid by the employer according to the wage standard of female employees before maternity leave.
Medical expenses incurred by female workers in childbirth or abortion shall be paid by maternity insurance fund according to the items and standards stipulated in maternity insurance. Did not participate in maternity insurance, paid by the employer.