Family planning insurance, namely family planning insurance, is an insurance business specially designed for couples of childbearing age and their children who practice family planning, and it is one of the financial businesses of non-bank institutions. Family planning insurance includes one-child old-age insurance, one-child parents' old-age insurance, family planning operation personal safety insurance, maternal and child health insurance, and newlyweds' prenatal and postnatal care insurance.
Family planning accident insurance is an accident insurance for family planning. The insurer is China Renshou. Couples and their children who meet the national family planning policy and are between 1-65 years old and meet the health requirements can participate in the insurance. Premium per household 100 yuan/year, family 80 yuan/year. Low income families. In addition, the insurance liability of this non-commercial insurance includes accidental death/disability, and the insured amount is150000; Unexpected outpatient and accidental hospitalization expenses 12000 yuan can be paid by the registered community. It will take effect after successful insurance.
What are the main items of maternity insurance?
1. Maternity. Female workers who give birth or have an abortion shall enjoy maternity leave in accordance with the relevant provisions of the state and the province. Maternity leave for female employees is 90 days; Maternity leave 15 days will be increased for female workers who have caesarean section; If a female worker gives birth to multiple births, the maternity leave will be increased for each additional baby 15 days; If the female worker gives birth late, the maternity leave will be increased by 60 days; The female employee miscarries within 2 months of pregnancy, and the maternity leave is 15 days; Abortion within 2 months (including 2 months) less than 4 months, maternity leave for 30 days; In case of miscarriage after 4 months of pregnancy, maternity leave is 42 days.
2. Maternity allowance. Female workers enjoy maternity allowance during the prescribed maternity leave. Maternity allowance is calculated according to the average monthly salary of employees in the previous year and paid according to the number of maternity leave days that should be enjoyed. Maternity allowance is paid by the social medical insurance agency from the maternity insurance fund.
3. Maternity medical expenses. After pregnancy, female workers should go to designated medical institutions for examination, delivery or abortion, and social medical insurance agencies should allocate maternity medical expenses according to the quota standard. The quota standard of maternity medical expenses for female employees in insured units of municipalities directly under the central government: natural childbirth 1500 yuan; Caesarean section 3500 yuan; Multiple births, each additional 200 yuan; Induced abortion 84 yuan, induced abortion 252 yuan. It should be noted that female workers who are diagnosed by designated medical institutions and really need caesarean section enjoy maternity allowance and maternity medical expenses according to regulations; Need caesarean section, maternity allowance and maternity medical expenses are calculated and paid according to the standard of natural delivery.