Maternity insurance is a social insurance system adopted by the state, which means that when professional women temporarily stop working due to childbirth, the state and society will generally provide women with living security and material assistance in time. Change the unit maternity insurance after 8 months of pregnancy.
If you meet the requirements for applying for maternity allowance, it doesn't matter if you change jobs during pregnancy. As long as the relevant materials are prepared, you can go to the maternity insurance department of the medical insurance center to which the insured unit belongs in the month of birth, instead of looking for a unit to collect them.
Conditions for applying for maternity insurance benefits
The premise of enjoying maternity insurance benefits is to meet the application conditions. If you want to receive both baby and maternity insurance benefits, you must plan ahead. Uncle Bao takes Fujian Province as an example to elaborate.
1. The maternity insurance premium has been paid continuously for 12 months before delivery (that is, the insurance premium must be paid continuously for 12 months before the birth month, and if the payable insurance premium is not paid within three months, it will be regarded as payment interruption);
2, in line with national, provincial and municipal family planning policies.
It is important to note that the maternity insurance for 12 months (including the current month) must be paid continuously before giving birth to a child. Therefore, when changing units during pregnancy, we must pay attention to the fact that the payment of maternity insurance cannot be interrupted. If there is an interruption, it must be paid within three months of the interruption, so as to be continuous and not affect the receipt of maternity insurance benefits.
What are the maternity benefits?
Maternity insurance benefits include not only maternity allowance, but also maternity medical expenses.
1, maternity allowance
According to the average monthly salary of the employer in the previous year, it is converted into 30 days per month and paid daily:
Delivery for 98 days; Dystocia (including cesarean section) increased by 15 days; For multiple births, each additional baby will be increased by 15 days.
However, if you are the insured person of a public institution allocated by the government or the financial department, it is distributed according to the original channel, so you do not enjoy the maternity allowance!
2. Maternity medical expenses
Refers to the prenatal examination fee, delivery fee, operation fee, hospitalization fee and medicine fee.
Except Xiamen City, Fujian Province, maternity medical expenses are reimbursed through the medical insurance fund, and other cities enjoy it through the maternity insurance fund. Specific standards vary from place to place. Please consult the medical insurance center of the insured area (tel:+12333).
How to apply?
The procedures for applying for maternity insurance benefits vary slightly from place to place. In Xiamen, the city where Uncle Bao lives, there are two ways to deal with it:
1, front desk
The insured person shall bring the following materials to the affiliated medical insurance center for application procedures during normal working hours from the second month of birth 15. From the date of birth 12 months.
(1) my social security card;
② My Xiamen UnionPay savings card (recommended for four major banks);
(3) original and photocopy of medical bills (invoices), discharge summary (or discharge record, the original should be stamped with the seal of the hospital, and the admission record should be provided if the diagnosis information of pregnancy and delivery is missing; If the diagnosis and treatment are inconsistent with the discharge diagnosis, the delivery or operation records shall be provided);
(4) The original and photocopy of the birth certificate within the family planning (if the family planning certificate is exempted according to the regulations of the Health Planning Commission, the registration materials can be provided according to the regulations). If Taiwan, Hong Kong, Macao and foreigners are unable to provide a registration form for one or two children, they need to provide the original and photocopy of the marriage certificate;
⑤ Original and photocopy of birth medical certificate (birth medical certificate) issued by medical institution;
6. If an agent is entrusted, the original and photocopy of the agent's ID card.
2. Self-service processing
With my social security card and my Xiamen UnionPay savings card supporting identity verification, I can try to handle it through the self-service machine in the handling hall of the medical insurance center, official website of the People's Social Security Bureau, APP of the People's Social Security Bureau and Xiamen.
However, self-service should meet the following conditions:
(1) One or two children have been registered in Xiamen as required;
(2) delivery in Xiamen designated hospital, social security card payment.
Note: some people who meet the above conditions but lack electronic information still need to prepare materials at the front desk.
If the employer has paid the maternity insurance premium, it can also receive it if it meets the requirements.
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.
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.
You 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.
Maternity insurance benefits mainly include two items:
One is maternity allowance,
The second is reproductive medicine. The condition for applying for maternity insurance is that the employee has paid the fee continuously 12 months or more, and it must conform to the national, provincial and municipal family planning policies. Only when the employee gives birth to a child can he enjoy the maternity medical treatment and maternity allowance.
Applying for changing the unit maternity insurance after 8 months of pregnancy may not have an impact, as the case may be:
1, it doesn't matter if the new company is seamlessly connected with the previous company and pays five insurances and one gold during the probation period after arriving at the new company.
2. If you don't pay five insurances and one gold during the probation period of the new unit, this will have an impact, because maternity insurance has to be paid continuously, but there are also ways to pay at your own expense, which is more troublesome.
Generally speaking, job-hopping during pregnancy has an impact on maternity allowance. It is suggested that pregnant women change jobs after giving birth, which can reduce a lot of trouble. Also, it is not easy to find a job when you are pregnant and change jobs. Few companies will accept pregnant women.
Change maternity insurance after 8 months of pregnancy 3. If a female employee changes her work unit during pregnancy and meets the conditions for receiving maternity allowance, it will not affect her application for maternity allowance; If the insurance payment is normal, it will not affect the reimbursement of maternity medical expenses.
Taking Beijing as an example, the following details the conditions for receiving maternity allowance, normal insurance payment and items that can be reimbursed for maternity medical expenses.
1, conditions for receiving maternity allowance
According to the relevant provisions of the city's maternity insurance, the receipt of maternity allowance can be divided into three situations according to the deposit of the insured:
(1) If the maternity insurance for the insured employees has been paid continuously for 9 months (including the delivery month) before delivery, the maternity allowance shall be paid by the maternity insurance;
(2) If the prenatal continuous payment is less than 9 months, the maternity allowance shall be paid by the employer;
(3) If the continuous payment is less than 9 months before delivery and 12 months after delivery (including delivery month), the maternity allowance for employees shall be supplemented by maternity insurance.
2, the insured payment is normal, maternity medical expenses reimbursement project.
Since May 1 2020, Beijing has adjusted the payment standard of maternity insurance medical expenses to further protect the basic medical needs of insured employees. This time, we mainly adjust the treatment of reproductive medical expenses, including prenatal examination.
3, hospital delivery and family planning surgery and other projects.
The payment standard for prenatal examination is raised from per person 1400 yuan to 3,000 yuan;
4. Hospital delivery
The compensation standard for natural childbirth was raised from 3,000 yuan to 5,000 yuan.
The payment standard for cesarean section was raised from 4,400 yuan to 5,800 yuan;
The payment standard of medical expenses for family planning surgery was adjusted by 25 items, such as the payment standard for outpatient induced abortion surgery was raised from 270 yuan to 770 yuan.