It is not cost-effective for the second person to pay insurance.
Third, it is very suitable for you to find a unit. At the same time, you can also ask the relevant departments for information. At the same time, you can also consult the local social security center at telephone number 12333.
Fourth, because this question is a directional question, it needs to be answered by the relevant local departments.
Fifth, I wish you a smooth job, a developed career, a healthy life and a happy family.
I suggest you buy more commercial insurance as a supplement and perfection.
Question 2: Can I buy maternity insurance? Hello! Maternity insurance is a social insurance system in which the state and society provide medical services, maternity allowance and maternity leave for pregnant women through legislation to temporarily compensate their labor. Individual workers can't buy social maternity insurance.
However, at present, there are two main forms of maternal and child insurance provided by insurance companies for pregnant women and newborns, namely, additional maternal and child insurance and special maternal and child insurance. Additional maternal and child insurance is usually added after women's health insurance and life insurance. The insurance period and payment period are relatively long, and the age limit for insurance is relatively small. Special maternal and child insurance can be insured separately. Pregnant women are the first insurer and newborns are the second insurer. The insurance period is generally only one year or until the puerpera leaves the hospital after delivery.
Huize. Com reminds you that buying maternity insurance and social security maternity insurance is only the most basic guarantee. If you want to get comprehensive maternity insurance, I suggest that you should also supplement the appropriate commercial maternity insurance, and recommend: "mother and baby worry-free" reproductive health insurance, which is specially designed for pregnant women and provides comprehensive protection for pregnant women and babies.
I hope the above answers can help you. If you want to know more information, you can click on my partner or check my Baidu space. You can interact with me through Baidu Hi.
Question 3: Can individuals buy maternity insurance? Consultation content: I am a 29-year-old female, self-employed and not pregnant. Can I buy maternity insurance? If you can't buy any commercial insurance, what can you make up for it? Consultation netizen: The heart has a green shade (Wuhan) Expert answer: Beijing Great Wall Life Insurance Li Shuang now maternity insurance belongs to the social security field and belongs to the work unit. Commercial insurance can only buy female insurance or maternal and child insurance during a certain period of pregnancy. I suggest that you can buy critical illness insurance and additional hospitalization insurance and accident insurance according to your own economic situation, which is also a basic guarantee for yourself. Zhang Yingfeng, Wuhan Xinhua Life Insurance, if you want to find insurance that can be reimbursed for the birth of a child, I am afraid that only the maternity insurance in the national welfare can properly reimburse some expenses. Because you say that you start your own business and have no formal unit, if you go to the Social Security Bureau in your own name, you can only apply for social endowment insurance and medical insurance. Maternity insurance can only be handled by enterprises, and individuals cannot handle it. Jiang Kaiyuan Commercial Insurance of Shenzhen China Life Insurance has no maternity insurance, but it can buy female health insurance. Individuals can buy social security, which includes five insurances: endowment insurance, medical insurance, work injury insurance, maternity insurance and unemployment insurance. At present, commercial insurance companies on the market also have no insurance coverage specifically for maternity reimbursement. Commercial maternity insurance mainly protects adults and children, including risks such as accidents during pregnancy, accidents during childbirth, neonatal death and congenital disability. Commercial maternity insurance mainly covers some unexpected risks. Some medical expenses, natural delivery or caesarean section expenses are not reimbursed, and there is no corresponding subsidy when women need hospitalization during pregnancy or childbirth. It is only sold as an additional risk in health insurance, not compulsory purchase. Moreover, the configuration of this product is also different among insurance companies, including Xinhua Life Insurance, AIA, Taikang and other insurance companies. Similar maternity insurance was sold before, but it was later discontinued. Now they really sell maternity insurance.
Question 4: How can I pay maternity insurance without a job? It varies slightly from place to place. For details, please call the local labor security consultation telephone number 12333. According to the provisions of Chengdu Maternity Insurance Measures (Order 126) and Chengdu Maternity Insurance Measures Implementation Rules (Cheng Lao She Fa [2006] No.9 1),1. Employees who enjoy maternity allowance and maternity medical expenses shall provide the following information: 1. Employees insured by the unit: Chengdu maternity insurance treatment approval form in duplicate, labor contract, ID card, medical service charge bill supervised or supervised by the financial department, discharge certificate, birth index, baby birth certificate or other medical certificate, marriage certificate. 2. Individual insured: fill in the Approval Form for Maternity Insurance Benefits in Chengdu in duplicate, valid unemployment certificate, ID card, medical service bill produced or supervised by the financial department, discharge certificate, birth index, baby birth certificate or other medical certificates, marriage certificate and personal settlement passbook. 2. Male employees who enjoy maternity medical expenses subsidies shall provide the following information: 1. Employees insured by the unit: Chengdu maternity insurance treatment approval form in duplicate, labor contract, ID card, medical service bill produced or supervised by the financial department, discharge certificate, birth index, baby birth certificate or related medical certificate, marriage certificate, spouse's household registration certificate, spouse's social insurance relationship certificate, spouse's loss 2. Individual insured personnel: fill out the Chengdu maternity insurance treatment approval form in duplicate. Valid unemployment certificate, identity card, medical service bill produced or supervised by the financial department, discharge certificate, birth index, baby birth certificate or related medical certificate, marriage certificate, spouse's household registration certificate, spouse's social insurance relationship certificate, spouse's unemployment certificate and personal settlement passbook. 3. The following information is required to apply for the family planning operation fee: 1. Employees insured by the unit: Chengdu maternity insurance treatment approval form in duplicate, operation fee list, illness certificate, labor contract, ID card and marriage certificate. 2. Personal insurance: fill in the Approval Form for Maternity Insurance Benefits in Chengdu in duplicate, valid unemployment certificate, bill of operation expenses, disease certificate, ID card, marriage certificate and personal settlement passbook. 3. To declare the cost of vasectomy and tubal anastomosis, in addition to the above certificates, relevant certificates from the Family Planning Commission are required. Four. The reimbursement of hospitalization expenses for complications of fertility and family planning operations must be provided: 1. Employees insured by the unit: Approval Form for Hospitalization Expenses of Complications of Birth and Family Planning Surgery in Chengdu, medical service bills, hospitalization expenses list, compound prescription, unit certificate, discharge certificate, marriage certificate, social insurance card and ID card supervised or supervised by the financial department. 2. Individual insured persons: fill in the Approval Form of Hospitalization Expenses for Complications of Birth and Family Planning Surgery in Chengdu in duplicate, the bill of medical service charges made or supervised by the financial department, the list of hospitalization expenses, multiple prescriptions, discharge certificates, marriage certificates, social insurance cards, identity cards and personal settlement passbook. If the insured entrusts others to handle the matter, it must also provide the power of attorney of the principal and the identity card of the principal. Five, the province (city) other information stipulated by the social insurance agency. The above business is handled at window 406 on the third floor of the fourth office area of the city. Tel: 8770675 1
Question 5: What is maternity insurance? How did you pay for it yourself? According to the provisions of the Measures for the Repository of Maternity Insurance for Enterprise Employees, maternity insurance shall be co-ordinated by the society and a maternity insurance fund shall be established. Enterprises pay maternity insurance premiums to social insurance agencies, and employees do not pay maternity insurance premiums.
Question 6: Can I buy my own maternity insurance? Hello! Maternity insurance is an inseparable part of social insurance and cannot be purchased separately. Social insurance includes five parts: endowment insurance, medical insurance, maternity insurance, unemployment insurance and industrial injury insurance.
Question 7: Can an individual pay maternity insurance without a job?
Maternity insurance is compulsory insurance, which is paid by my unit. The employer must pay it for you, and the individual may not pay it. Maternity insurance is a social policy that the state legislates to protect the rights and interests of female workers. Whether the fetus is born normally or not, even if the fetus dies or miscarries, it can be enjoyed.
1. Before enjoying the maternity allowance, the unit needs to apply for maternity insurance for itself, and it needs to prepare three forms, namely, the summary of the application of basic pension, work injury and maternity insurance for enterprise employees, the social security registration form, and the increase and decrease of pension, work and maternity insurance personnel. These three forms are compiled by enterprises;
2. The unit shall report to the social labor insurance department with these three forms, and the labor insurance department will return two stamped forms after accepting them;
3. Wait until next month, the unit can pay the maternity insurance premium to the new employees normally, which is paid by the tax department;
4. Handling medical certificates: After pregnancy, the employer will bring relevant materials to the social labor insurance department for handling;
5. Female employees shall submit materials to the social labor insurance department for insurance payment within 30 days before the expiration of maternity leave (pay attention to the time, and it is more troublesome to apply for overdue);
6. After being audited, the staff will open an application form for maternity insurance premiums for employees of urban enterprises;
7. The materials of insurance payment mainly include: maternity information, identity certificate information, birth certificate, hospital diagnosis certificate, medical settlement list, etc. ;
8. After being approved by the social labor insurance department, I can bring relevant documents to the social security department to receive maternity insurance reimbursement.
Question 8: Can individuals pay maternity insurance? Individuals cannot pay maternity insurance. The only types of insurance that individuals can pay are pension and medical \ critical illness insurance. There are only two ways to enjoy maternity insurance. First, the affiliated company pays, which is calculated to the affiliated company according to the actual payment amount every month. But the company can't just insure you with one insurance. You need to pay five insurances together. Now the five fees are merged. According to our calculation, the unit needs five insurances of more than 400 yuan per month, which is the minimum base. You have to pay 1 year to enjoy maternity insurance. You don't have to be affiliated with the company, you can be a licensed self-employed person or something. Second, if your husband's company pays insurance. It can be enjoyed by the spouse, but only the expenses arising from childbirth are reimbursed. Monthly maternity wage allowance. At present, it is not known whether this policy is enjoyed equally in the whole country. The insurance law has such a provision. It depends on whether all localities have implemented it. I think you'd better ask your friends around you! It is illegal for the unit not to pay this. Now there are provisions in the labor law. These five risks have been integrated. There are also maternity insurance companies, which don't need much money every month.
Question 9: Can the social security paid by individuals reimburse the birth expenses? In your case, you can't reimburse the birth expenses. If individuals pay social security, they can only pay pension and medical insurance, and others can't, so they can enjoy corresponding treatment.