1. What is the subsidy standard for maternity insurance in Shanghai?
According to the introduction of Shanghai Municipal People's Insurance Bureau, women who have family planning and given birth or abortion (including natural abortion and induced abortion) in medical institutions set up in obstetrics and gynecology can apply for maternity living allowance and maternity medical expenses subsidy according to regulations:
1. Female employees who have established labor relations with employers have participated in maternity insurance for urban employees in this city and established personal accounts according to regulations;
2, with the city's urban household registration of informal employment labor organization personnel, to participate in the city's urban social insurance and establish a personal account;
3, 2065438+May 2003 1, flexible employees who paid insurance premiums as freelancers and paid fees normally in the month of birth;
4. Unemployed women with household registration in this city shall participate in maternity insurance for urban workers in this city and establish personal accounts when they are employed.
According to the Regulations of Shanghai Municipality on Population and Family Planning, regardless of the birth of the first child or the second child, the maternity allowance is calculated as "98 days of basic treatment plus 30 days of maternity leave", dystocia (including cesarean section) is increased by 15 days (that is, the days of basic treatment are13 days), and multiple births are increased by 65,438 days. In terms of maternity medical expenses subsidies, according to the provisions of the Notice on Adjusting the Subsidy Standards for Maternity Medical Expenses in this Municipality, the maternity medical expenses subsidies for women who meet the prescribed conditions are calculated at 3,600 yuan; Pregnancy more than 4 months (including 4 months) spontaneous abortion, maternity medical expenses subsidies according to the 600 yuan plan; Pregnancy less than 4 months of spontaneous abortion, maternity medical expenses subsidies according to the 400 yuan plan.
Maternity allowance is mainly used to ensure the basic life of women during childbirth. The maternity medical expenses of female employees are divided into two parts: one part is the medical expenses that meet the requirements above the hospitalization deductible line and are borne by the employee medical insurance fund; The other part is the subsidy for maternity medical expenses, which mainly solves the medical expenses of the deductible line of hospitalization before, during and after delivery and the self-funded part above the deductible line. Eligible women of childbearing age apply for maternity insurance benefits, and the social security agency will calculate the benefits according to the policies and regulations, and inject them into the account of the real-name registration system of women of childbearing age at one time, and individuals can directly extract and use them.
Enjoy maternity allowance in accordance with the following terms:
(a) pregnant for 7 months (including 7 months) or more, according to 3 months to enjoy maternity allowance;
(two) pregnant less than 7 months, enjoy 3 months of maternity allowance;
(three) pregnant for more than 3 months (including 3 months) less than 7 months of abortion, according to the house price +0.5 months to enjoy maternity allowance;
(4) If the pregnancy is less than 3 months, or if the child suffers from ectopic pregnancy, she shall enjoy the maternity allowance 1 month.
The payment standard of maternity medical expenses subsidy is as follows: (1) If the pregnancy is more than 7 months (including 7 months) or the premature delivery is less than 7 months, the maternity medical expenses subsidy is 3,000 yuan; (two) more than 3 months of pregnancy (including 3 months) less than 7 months of spontaneous abortion, maternity medical expenses subsidies for 500 yuan; (three) spontaneous abortion after 3 months of pregnancy, maternity medical expenses subsidies for 300 yuan.
Maternity insurance = maternity living allowance+maternity medical expenses allowance
Among them, maternity allowance = payment base × maternity leave time (maternity medical expenses subsidy is calculated according to the above, and normal production is 3000 yuan).
Two, maternity insurance reimbursement scope has the following aspects:
First, the maternity insurance fund compensates the unit in the form of maternity allowance. The compensation standard is: female employees who have been pregnant for more than 7 months (including 7 months) and delivered naturally or who have been born prematurely for less than 7 months will enjoy a maternity allowance of 3 months; In case of dystocia or cesarean section, the maternity allowance will be increased for half a month; For multiple births, the maternity allowance will be increased by half a month for each additional baby; Pregnant for more than 3 months (including 3 months) but less than 7 months, those who have miscarried or induced labor are entitled to maternity allowance 1.5 months; Abortion due to pathological reasons within 3 months of pregnancy is entitled to 1 month maternity allowance. Maternity allowance is based on the average monthly payment salary of maternity insurance for female employees before prenatal or family planning operation 12 months.
Two, maternity nutrition subsidies and perinatal health care subsidies, who meet the requirements of the state to enjoy maternity leave for more than 90 days (including 90 days) can enjoy maternity nutrition subsidies in 300 yuan, perinatal health care subsidies in 700 yuan.
3. One-time maternity allowance. Female employees who participate in maternity insurance in the unit are unemployed and meet the family planning regulations during the period of receiving, and can enjoy a one-time maternity allowance: 2,400 yuan for abortion, 2,400 yuan for natural delivery and 4,000 yuan for multiple births in difficult labor; Male employees who participate in maternity insurance, whose spouses are not included in the scope of maternity insurance, can enjoy a one-time maternity allowance of 50% if they have their first child in line with family planning regulations.
Four, maternity allowance compensation to the unit, the insured female workers during maternity leave my basic salary, bonus and welfare expenses paid by the unit.
Five, the cost of family planning operation, including the implementation of placing (taking out) IUD, induced abortion, induced labor, skin burial, sterilization and recanalization surgery due to family planning needs, included in the settlement scope of maternity insurance fund.
Maternity allowance includes living allowance and maternity medical expenses. In order to ensure the nutritional needs of the fetus, the maternal nutritional expenses are subsidized by 300-700 yuan. The social security agency will input the confirmed bank card number at one time, and individuals can use it directly. If it causes abortion or induced abortion, you can also accept maternity insurance. In addition, the above provisions also apply to the second child. The above is the Shanghai maternity insurance subsidy standard, do you understand?