Maternity insurance and medical insurance are both basic social insurance and part of the five major social insurances. Maternity insurance, as its name implies, is mainly aimed at maternity insurance, while medical insurance refers to basic medical insurance, which reimburses the insured for medical expenses that occur unexpectedly or basically. So can maternity insurance and medical insurance be reimbursed at the same time? Let's get to know each other.

Can maternity insurance and medical insurance be reimbursed at the same time?

Medical insurance and maternity insurance cannot be reimbursed at the same time. Generally speaking, maternity insurance can only be enjoyed when the insured person gives birth, such as reimbursement of hospitalization expenses after childbirth and payment of maternity allowance. Therefore, if you have used maternity insurance to enjoy the reimbursement of related medical expenses, you can no longer use medical insurance for reimbursement. However, medical insurance is generally used to reimburse the insured for related medical expenses due to illness or accident. Naturally, maternity insurance cannot reimburse these medical expenses.

Maternity insurance and medical insurance have different reimbursement conditions, and the specific provisions are as follows:

Maternity insurance reimbursement conditions:

1, the female reproductive period conforms to the relevant provisions of the birth policy and family planning;

2. The employer pays maternity insurance for women in full;

3 women's maternity insurance has been paid in full for more than one year;

4. Women continue to pay maternity insurance premiums during childbirth.

Medical insurance reimbursement conditions:

1, the insured person must go to the designated medical institution of basic medical insurance or the designated retail pharmacy determined by the social insurance institution with the medical prescription issued by the doctor in the designated hospital;

2. The medical expenses incurred by the insured in the process of medical treatment must conform to the scope and payment standards of the basic medical insurance drug list, medical treatment items and medical service facilities standards, and can be paid by the basic medical insurance fund according to regulations;

3. The medical expenses incurred by the insured that meet the payment scope of basic medical insurance shall be paid by the social medical pooling fund in a unified proportion, with the expenses above the Qifubiaozhun and below the maximum payment limit.

Generally speaking, maternity insurance and medical insurance cannot be reimbursed at the same time, which the insured must pay attention to.