Maternity insurance, maternity allowances, and maternity leave wages are three terms that mothers need to understand in advance to save money during pregnancy and childbirth. Only by understanding them can they ensure that they save the most money during pregnancy, childbirth, and confinement.

While Ms. Li was pregnant and hospitalized, she met a mother who was pregnant and giving birth. At that time, they both felt that they were compatible with each other, so they added their contact information and kept in touch even after they were both discharged from the hospital.

Recently, the two of them unconsciously talked about maternity allowance. The mother repeatedly told her to calculate the maternity allowance by herself and reconcile the accounts. She also said that one of her friends made a mistake because she got the maternity allowance wrong.

After listening to the mother's words, she checked the relevant information and began to calculate, and then she found that she seemed to have received 200 yuan less.

"Did I make a mistake in my calculation? How should I calculate the maternity allowance?" This is a question that puzzles Li's mother.

In life, maternity allowance is a considerable expense after all. Relatively speaking, it can help mothers to bear an objective cost of childbirth. It is better for mothers to find out in advance.

1) Maternity insurance Therefore, maternity allowance is only a part of maternity allowance, while maternity insurance is a kind of insurance in social security. In addition to maternity allowance, it can reimburse the cost of prenatal examination, pregnancy examination, delivery, etc.

But it is different from social security in that to pay social security, you only need to go to the hospital with your social security card for payment and reimbursement, while maternity insurance requires you to first obtain a birth certificate through the local community committee before going to the hospital for reimbursement.

When issuing a birth certificate, different regions may require different materials. If possible, it is best to call in advance for consultation.

Under normal circumstances, this certificate will be issued within three working days.

It should be noted that to be able to enjoy maternity insurance, you first need to have legal marriage protection.

2) Maternity allowance: In life, many people confuse maternity allowance and maternity leave pay, thinking that they can be received at the same time.

In fact, in essence, maternity allowance is a subsidy paid by the basic medical insurance fund. It cannot be received directly. It needs to be paid to my bank card through the company in the form of "maternity leave pay" after the company declares it.

The specific calculation method is: Maternity allowance = average salary of the company in the previous year/30*number of prescribed maternity leave days.

It should be noted: If the final maternity allowance is higher than the maternity leave salary, then the maternity allowance will be received; on the contrary, if the maternity allowance is not as high as the maternity leave salary, then the maternity leave salary can be received.

Why do some people get maternity benefits and some don't?

A key factor is that there are prerequisites for receiving maternity benefits.

Maternity allowances can only be received by enterprise employees who have paid social security and have not terminated their social security, which means that full-time mothers without wages cannot receive it.

Of course, although stay-at-home mothers cannot receive maternity benefits, they can apply for maternity insurance to reimburse the expenses during pregnancy and postpartum examinations, which can also save money.

Enjoy the maternity reimbursement and subsidy policies provided by the state. The state provides many preferential subsidy policies regarding female childbirth, such as the above-mentioned maternity allowances, maternity insurance, etc.

Relatively speaking, these subsidy and reimbursement expenses can be used as the main way to save money during childbirth. Whether and how much money can be saved depends on these preferential policies. Therefore, mothers and fathers must understand them in advance.