1, maternity insurance payment standard. Employers pay 0.5% of the total wages of employees, and individual employees do not pay maternity insurance premiums;

2, maternity insurance reimbursement scope:

(1) Maternity medical expenses;

(2) Maternity allowance;

(3) the cost of family planning operation;

(four) other expenses related to maternity insurance as stipulated by laws and regulations.

3, maternity insurance reimbursement conditions:

(1) You can enjoy maternity insurance benefits only if you have participated in maternity insurance and the employer has paid the employee more than 1 year (including 1 year);

(2) birth (including abortion) that meets the statutory birth conditions and fulfills the prescribed procedures or family planning contraceptive examination, contraceptive operation and recanalization operation.

4. Reimbursement conditions of maternity insurance for male employees. Male workers to implement family planning operation fee; The spouse has no work unit, conforms to the birth policy, reimburses the birth medical expenses or the family planning operation expenses, but does not enjoy the birth allowance;

5. Maternity insurance. State organs, enterprises, institutions, social organizations, private non-enterprise units, foundations, law firms, accounting firms and other organizations and individual industrial and commercial households with employees and all their employees and employees.

The number of holiday days for employees to enjoy maternity allowance is calculated according to the following provisions:

1. Female employees are entitled to maternity leave: if they give birth naturally, the maternity leave is 98 days; Dystocia, an increase of 30 days; Multiple births 1 baby, increased by 15 days;

2. Female employees enjoy maternity leave after termination of pregnancy: 15 days to 30 days before termination of pregnancy 4 months ago, according to the opinions of medical institutions; 42 days if the pregnancy is terminated for more than 4 months but less than 7 months; 75 days for termination of pregnancy after 7 months;

3. Employees enjoy family planning operation leave: 1 day to take out the IUD; Placed intrauterine device for 2 days; Tubal ligation, 2 1 day; Vasectomy for 7 days; Tubal or vas deferens recanalization operation is 14 days.

To sum up, couples of childbearing age who participate in social insurance such as basic medical insurance and maternity insurance are guaranteed by social insurance for their basic family planning technical services, and those who do not participate in social insurance are borne by the finance.

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.