Maternity insurance in medical insurance refers to the social insurance system introduced by the relevant state departments to protect women's medical expenses during pregnancy and childbirth. The insured can enjoy the following benefits if they meet the prescribed conditions: 1. Maternal health examination: The insured can have a certain number of maternal health examinations during pregnancy, including four basic examinations and two high-risk assessments. 2. Hospital delivery: For delivery that meets the prescribed conditions, the insured can enjoy reimbursement of certain medical expenses, such as hospitalization expenses, operation expenses and nursing expenses. 3. Maternity allowance: The insured can apply for maternity allowance if the child meets the prescribed conditions, which is generally paid in one lump sum. It should be noted that the reimbursement of maternity insurance does not include fertility-related treatment expenses such as assisted pregnancy and artificial insemination. There are two ways to participate in maternity insurance, one is that enterprises pay for employees through social security, and the other is that social security bureau pays maternity insurance for individuals. Please consult the local social security bureau or medical insurance center for specific requirements and standards.
What is the reimbursement ratio and limit of maternity insurance? The reimbursement rate and limit of maternity insurance vary according to different regions and policies. Taking Shandong Province as an example, the maximum medical expenses for obstetrical inpatients can be reimbursed by 654.38+10,000 yuan, of which hospitalization expenses, delivery expenses and pre-delivery operation expenses are reimbursed by 90%, 60% and 100% respectively, and the out-of-pocket ratio is 10%, 40% and 0% respectively. It should be pointed out that the amount of annual maternity allowance is also limited. At present, the state stipulates that the maximum maternity allowance is 3000 yuan.
Maternity insurance in medical insurance is a social insurance system used to protect the medical expenses of pregnant women and provide benefits such as maternity allowance. The insured person can enjoy the treatment of maternal health examination, hospital delivery and so on. There are two ways to participate in maternity insurance: enterprise unit payment and individual payment. The reimbursement rate and limit are different in each region. Please consult the local social security bureau or medical insurance center for specific regulations.
Legal basis:
"People's Republic of China (PRC) Social Insurance Law" Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.