Maternity allowance is paid by the maternity insurance fund according to the standard of the average monthly salary of employees in the previous year. If the employer has paid maternity insurance premiums, its employees shall enjoy maternity insurance benefits, and the unemployed spouses of employees shall enjoy maternity medical expenses in accordance with state regulations.
However, the protection provided by maternity insurance includes maternity allowance, maternity medical care, maternity leave, one-time maternity nutrition allowance, family planning operation expenses, and holiday allowance for male employees.
Employees who enjoy maternity insurance benefits should meet the following conditions at the same time: the employer has paid social security for employees for a certain period of time, and pregnant female employees have registered for insurance and given birth locally. In addition, if a woman does not have maternity insurance, but her husband does, then her husband can receive a one-time maternity allowance after giving birth.
The difference between maternity allowance and maternity insurance
1, different concepts.
Maternity insurance is a social insurance system in China, which is a kind of welfare provided to female workers who temporarily interrupt their work during childbirth and pregnancy, mainly including maternity leave, medical services and maternity allowance; Maternity allowance is the basic living allowance for female workers during pregnancy and maternity leave.
2. Different participants
The participants of maternity allowance are mainly female employees; Maternity insurance is not only for female employees, but also for male employees.
3. Pay different fees.
Maternity allowance does not need to pay any fees, and maternity insurance is the maternity insurance premium paid by the employee's unit in accordance with state regulations.
4. Different handling locations
Maternity allowance needs to be handled by the Social Security Bureau with personal ID card, birth record form, social security card and hospitalization medical records, and maternity insurance reimbursement can generally be completed when leaving the hospital.