Maternity insurance for flexible employees is paid by combining individual contributions with government subsidies. Individuals voluntarily pay maternity insurance premiums according to local payment standards, and the government gives financial subsidies to the insured flexible employees according to a certain proportion. The specific payment standard and the proportion of government subsidies can be consulted by the local social security department or insurance company.
Payment conditions of maternity insurance for flexible employees:
1. Flexible employees: Flexible employees refer to those who have not signed a labor contract with the employer, and mainly obtain labor remuneration through freelancing or self-employment, including individual industrial and commercial households, freelancers and contract workers.
2. Pregnancy: Flexible employees can participate in maternity insurance during pregnancy;
3. Payment: To participate in maternity insurance, you need to pay maternity insurance premiums according to local payment standards. The specific payment standard and the proportion of government subsidies can be consulted by the local social security department or insurance company.
To sum up, flexible employees can receive medical insurance benefits during their maternity, but they need to pay maternity insurance premiums in time according to local payment standards, make payment records, choose insurance types reasonably, and consult social security departments or insurance companies in order to keep abreast of relevant policies and regulations.
Legal basis:
Article 53 of the Social Insurance Law of People's Republic of China (PRC)
Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, and employees shall not pay maternity insurance premiums.
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.
Article 55
Maternity medical expenses include the following contents:
(1) Maternity medical expenses;
(two) family planning medical expenses;
(3) Other project expenses stipulated by laws and regulations.
Article 56
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.
Maternity allowance is calculated and paid according to the average monthly salary of employees in the previous year of the employer.