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Maternity Insurance for Employees

Release time:

2023-11-24 00:00

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What is maternity insurance?

Maternity insurance is one of the important components of social insurance, including employee maternity insurance and urban and rural residents maternity insurance, today our topic is the employee maternity insurance.

Employee maternity insurance is a social insurance system through which the State and society provide medical services, maternity allowance and maternity leave for women workers who are pregnant from the period of pregnancy to childbirth and until back to work.

How to pay for maternity insurance?

The employee maternity insurance premium shall be paid by the employer and individuals need not pay it. The registration and payment procedures of employee maternity insurance shall be carried out together with the employee medical insurance, and the payment shall be made according to 0.5% of the employee's contribution base (different regions have different policies).

What are the benefits of maternity insurance?

For female employees

Maternity insurance benefits include maternity medical expenses (including prenatal check-up, maternity medical expenses, family planning medical expenses), maternity allowances (including maternity leave allowances, family planning leave allowances, nursing leave allowances) and one-time nutrition allowance.

1.Maternity medical expenses

The maternity medical expenses paid by the maternity insurance fund shall include the medical expenses incurred by the employees participating in the maternity insurance during the period of pregnancy and childbirth hospitalization, due to prenatal examination, hospital delivery, abortion or induction due to childbirth, which are in accordance with the provisions of the maternity insurance.

The medical expenses for family planning paid by the maternity insurance fund include the medical expenses incurred by employees participating in the maternity insurance for placement or removal of intrauterine devices, artificial abortions or inductions, tubal ligation and recanalization operation, etc., which meet the provisions of the maternity insurance.

2.Maternity allowances

The maternity allowance is calculated according to the number of maternity leave days of the employee. The calculation standard is the average monthly salary of all the company employees in the previous year divided by 30 and multiplied by the corresponding number of maternity leave days.

If the maternity allowance enjoyed by an employee during maternity leave is lower than the standard of the employee’s salary before leave, the employer shall make up for it; if the maternity allowance is higher than the standard of employee’s salary before leave, the employer may not withhold it.

In case of multiple births, the maternity allowance shall be increased by 15 days for each additional baby.

3.One-time nutrition allowance (different regions have different policies).

Workers who give birth or induce labor after 7 months of pregnancy shall be granted a one-time nutrition allowance, the standard is 2% of the average annual salary of the urban non-private employers in the previous year in the overall planning area.

What benefits do female workers who participate in maternity insurance enjoy after unemployment?

After female workers participating in maternity insurance lose their jobs, during the period of receiving unemployment insurance benefits, the medical expenses and one-time nutrition allowance for childbirth shall be paid by the maternity insurance fund in accordance with regulations.

What are the benefits of maternity insurance?

For male employees

Maternity insurance not only covers female workers, male workers can also participate in and enjoy maternity insurance benefits, the benefits male workers can enjoy are as follows (different regions have different policies):

1.Paternity leave

Couples who bear babies in accordance with the provisions of laws and regulations, the husband shall enjoy 15 days of paternity leave during his wife's childbearing. During the paternity leave, the company will pay the employee salary as the standard of work day and it will not affect the welfare benefits and the full attendance award of the employee.

2.Maternity medical expenses

Male employees can reimburse the medical expenses of family planning operations, such as vasectomy and vasectomy recanalization operation and other medical expenses.

If the employee’s spouse who has no maternity insurance, the maternity medical expenses can be reimbursed from the man's maternity insurance of employee. And the unemployed spouse of the employee shall enjoy the medical expenses treatment of the maternity according to 50% of the medical expenses standard of the female employee.

Note: The unemployed spouse of an employee who participates in the basic medical insurance for urban and rural residents shall enjoy the relevant medical treatment in accordance with the basic medical insurance policy for urban and rural residents, and the employee maternity insurance fund shall no longer pay the medical treatment for their medical expenses.

3.Maternity allowance

Male workers who perform vasectomy operations can enjoy a 7-day maternity allowance; those who perform vasectomy recanalization operation may enjoy a 14-day maternity allowance.

Which expenses are not covered by the maternity insurance fund?

(1) Maternity medical expenses, maternity allowances and one-time nutrition allowance for giving birth or performing family planning operations in violation of the provisions of population and family planning laws and regulations;

(2) Expenses that do not meet the maternity insurance drug list, diagnosis and treatment items, scope of medical service facilities and payment standards;

(3) Expenses that should be paid by the basic medical insurance fund;

(4) Expenses that should be borne by public health or other public service projects and by free family planning technical service projects in accordance with regulations;

(5) Expenses that should be borne by a third party due to medical malpractice, etc.;

(6) Maternity medical expenses incurred abroad and in China Hong Kong, Macao and Taiwan;

(7) Expenses for screening, nursing and medical treatment of newborn diseases;

(8) Maternity medical expenses for medical treatment in non-designated medical institutions without approval (except emergency treatment and rescue);

Other expenses stipulated by the State and the province that are not paid by the maternity insurance fund.

The significance of the implementation of maternity insurance

The implementation of maternity insurance policy is conducive to protecting women's basic rights and interests. It not only enables women to go through the childbearing period safely and healthily, but also creates conditions for their normal work after childbirth. Maternity insurance provides them with pregnancy check-ups, medical services, maternity allowances and paid leave during pregnancy, which guarantees their health and basic life during childbirth and relieves the worries of female workers. At the same time, it also creates conditions for fair competition among enterprises and equal employment for women, which is conducive to promoting equal employment for men and women.

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This article is based on the analysis and references of different cited sources online and does not represent AsecorpChina's opinion. AsecorpChina won't assume any responsibility on the reader's application of the interpretation of this article.

Source:

https://mp.weixin.qq.com/s/mjUGcGhuXKTbrLpZTOMxxw

https://mp.weixin.qq.com/s/OoVndPk8T11S8S7PYob8Uwpoc_token=HD0EW2WjpJgVEq70MMj0AFKcMM_RmqS1M-Uh14ki

https://mp.weixin.qq.com/s/f4SeET9rZD8BlP9h40EMpw

https://mp.weixin.qq.com/s/xKlWD7Q5LmNW0SJV1QKX1A

https://mp.weixin.qq.com/s/qrXIn5gJCCVJgqBJEsa81w

https://mp.weixin.qq.com/s/xLKwJR8uvpINh35UNby0

https://mp.weixin.qq.com/s/xkzTOTLXHtzAHhJ6JdZ_Kg

https://mp.weixin.qq.com/s/xLKwJR8uvpINh35UNby0

https://mp.weixin.qq.com/s/xkzTOTLXHtzAHhJ6JdZ_Kg

https://mp.weixin.qq.com/s/t2r_N6DVtU0fvBwsc37J7Q

https://mp.weixin.qq.com/s/zschcXifcOC3TWg6VpAVnA