Recently, the Municipal Medical Insurance Bureau, together with the Municipal Finance Bureau and the Municipal Taxation Bureau, issued the "Notice on Forwarding the Work of Helping "Zhejiang You Good Education" to Promote Eugenics and Excellent Parenting" (Hu Medical Insurance Lianfa [2022] No. 11), further improving maternity insurance and medical insurance benefits, focusing on promoting eugenics and excellent parenting, and accelerating the construction of a child-friendly society.
Who can benefit from it? What are the benefits of
compared to previous ones?
expands the coverage of maternity insurance
In the past, individuals can only participate in employee pension insurance and employee medical insurance by flexible employment, and cannot participate in maternity insurance. Now that the new policy has been introduced, flexible employment personnel will also participate in maternity insurance simultaneously, and enjoys maternity medical expenses and allowances guarantee .
According to the policy regulations, flexible employment personnel participating in maternity insurance refers to the participation of individual industrial and commercial households, part-time employees and other flexible employment personnel participating in maternity insurance as part-time employees who participate in the basic medical insurance of employees in our city as working employees. Flexible employment personnel shall pay their fees for insurance, and the payment base shall be consistent with the payment base for employees participating in medical insurance.
It is worth mentioning that considering the impact of the current epidemic, in order to reduce the payment burden of flexible employment personnel as much as possible, our city stipulates that flexible employment personnel from July 2022 to December 2023 to pay maternity insurance based on their payment base 0.5% of the payment base, which is almost half of the current employee payment. From in January 2024 to , it is paid according to its payment base 0.9% , which is consistent with the payment rate of in-service employees.
Warm
Fresh
Finish
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Wake
According to policy regulations, starting from July 1, insured persons will be deducted by taxation, and the system will automatically participate in the insurance when the insured person is completed.
At present, those who receive unemployment benefits have not been included in the maternity insurance coverage scope; those who have exceeded the legal retirement age but have not paid enough for retirement, and those who have delayed their payment after being flexible employment cannot participate in maternity insurance.
Unified maternity insurance medical expense payment method
Previously, Huzhou female employees' maternity medical expenses were subject to fixed-rate compensation. After the implementation of the new policy:
Employee medical insurance participants, the payment of birth medical expenses shall be carried out in accordance with the payment method of employee medical insurance expenses in our city, and the expense reimbursement shall be carried out in accordance with the employee medical insurance policy.
Resident medical insurance insured persons shall be subject to the payment method of resident medical insurance in our city, and the expense reimbursement shall be implemented in accordance with the resident medical insurance policy. After the implementation of the new policy of
, the birth medical expenses can be settled directly at designated hospitals without any advance payment.
Calculate the following two examples
The increase in benefits can be quite large
Unified maternity insurance benefits waiting period
From July 1, employees and flexible employed people who participate in maternity insurance can enjoy maternity insurance benefits normally during childbirth. Among them, the waiting period for enjoying maternity allowance is shortened from 412 consecutive months of payment for html to 6 months of . If you are less than 6 months old, you can make a retroactive payment after you continue to pay for 6 months locally and apply for maternity allowance.
You need to apply for maternity allowance from the medical insurance agency in the place of insured. You can also apply for reimbursement under the Zhejiang Li Office or Alipay’s “Zheli Medical Insurance – Maternity allowance payment” module.
Expand payment scope
Delivery analgesia is commonly known as "painless delivery". It is to block the transmission of pain during delivery through drugs through drugs, and to reduce labor pain without affecting uterine contraction.
This document mentioned that diagnosis and treatment projects such as delivery analgesia, fetal structure ultrasound screening in early pregnancy, and color Doppler ultrasound examination in fetal system will be included in the basic medical insurance payment scope. This is good news for the majority of pregnant women, which not only reduces the economic burden, but also reduces the psychological burden.
Implement the "three-child" maternity insurance benefit policy
Ensure that insured female employees have fertility The fees for fertility The fees for fertility meet the conditions are included in the maternity insurance payment scope, and the maternity medical expenses and maternity allowances will be paid in a timely and in full manner according to regulations.
In addition, this new policy will also include epilepsy in the management of outpatient special diseases. The medical expenses incurred in outpatient treatment will be settled according to the inpatient medical expenses.
Source: Huzhou News and Media Center, Huzhou Medical Security Bureau
Map: Zhang Chihong
Edited by: Mei Jingjing
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Photography: Tang Wei
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