1. The maternity insurance fund compensates the unit in the form of maternity allowance. The compensation standard is: if a female employee is pregnant for more than 7 months and gives birth naturally or is premature for less than 7 months, she will enjoy a maternity allowance of 3 months; In case of dystocia or cesarean section, the maternity allowance will be increased by half a month, and in case of multiple births, the maternity allowance will be increased by half a month for each additional baby; Those who have miscarried or induced labor for more than 3 months but less than 7 months are entitled to 1.5 months' maternity allowance, and those who have miscarried for pathological reasons within 3 months of pregnancy are entitled to 1 month's maternity allowance. Maternity allowance is calculated and paid according to the average monthly payment salary of maternity insurance for female employees before prenatal or family planning operation 12 months;

2. Maternity nutrition subsidies and perinatal health care subsidies. Those who meet the national regulations and enjoy maternity leave for more than 90 days can enjoy maternity nutrition subsidies in 300 yuan and perinatal health care subsidies in 700 yuan;

3. One-time maternity allowance: female employees who participate in maternity insurance in the company are unemployed, and during the period of receiving unemployment insurance benefits, they can enjoy one-time maternity allowance: 2,400 yuan for miscarriage in 400 yuan, 4,000 yuan for multiple births in difficult labor, 50% for male employees who participate in maternity insurance, and 50% for their spouses who give birth to their first child in accordance with family planning regulations;

4. Maternity allowance shall be compensated by the unit, and my basic salary, bonus and welfare expenses shall be paid by the unit during the maternity leave of the insured female employees;

5, family planning operation fees, including due to the needs of family planning, the implementation of intrauterine device, induced abortion, induced labor, skin burial, sterilization and recanalization surgery costs, included in the scope of payment of maternity insurance fund.

Workers in any of the following circumstances can enjoy maternity allowance in accordance with state regulations:

1, female employees enjoy maternity leave;

2. Enjoy family planning operation leave;

3. Other circumstances stipulated by laws and regulations.

To sum up, maternity insurance reimbursement is designed according to different guarantees in maternity insurance. Maternity insurance generally includes maternity allowance, maternity medical expenses and expenses for family planning operation, so when we reimburse maternity insurance, we should prepare relevant materials so as to get claims in the shortest time.

Legal basis:

Article 54 of the Social Insurance Law of People's Republic of China (PRC)

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.