Maternity insurance and allowances are reimbursed separately. Maternity allowance is generally paid by the state to enterprises, and then paid by enterprises to female employees, which is generally calculated according to the average monthly salary of employees in the previous year; Maternity insurance means that female employees can directly use social security cards to reimburse their maternity-related medical expenses in designated hospitals for maternity insurance.

Maternity insurance benefits include reimbursement of maternity medical expenses and maternity allowance, among which reimbursement of maternity medical expenses includes maternity medical expenses, family planning medical expenses and other related project expenses stipulated by laws and regulations; Maternity allowance includes maternity leave, family planning operation leave and other holidays stipulated by laws and regulations.

How to apply for maternity insurance filing?

Maternity insurance filing can be handled online or offline:

First, offline processing: before giving birth, you can go to the designated maternity hospital in the city to handle the birth record;

Second, online processing: before giving birth, you can pay attention to the official account of local medical insurance WeChat, enter the service hall, find birth records in maternity insurance, and fill in relevant information. Generally, the results of maternity insurance records can be inquired within two to three working days.

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 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.

Legal basis:

"Trial Measures for Maternity Insurance for Enterprise Employees" Article 8 The maternity insurance fund shall be collected, paid and managed by the social insurance agency affiliated to the labor department. The maternity insurance fund shall be deposited in the special account of the maternity insurance fund opened by the social insurance agency in the bank. Banks should bear interest at the interest rate of individual savings deposits of urban and rural residents in the same period, and the interest earned will be transferred to the maternity insurance fund.