Maternity insurance reimbursement time
Release time : 10/28/2025 09:30:02
Maternity insurance is a welfare policy provided exclusively to female employees in China. It mainly includes maternity allowance, basic medical care, and medication expenses.
However, there is a specific timeframe for maternity insurance reimbursement. If you miss this period, you will not have the opportunity to make up for it. Therefore, we should understand the local timeline for maternity insurance reimbursement.
Maternity Insurance Reimbursement Time Frame: Maternity insurance reimbursement has a certain time limit during which employees can apply for reimbursement from their respective employers.
If you miss the time to apply for maternity insurance reimbursement, there is no application for a retroactive claim.
In China, the duration of maternity insurance typically spans 18 months after the birth of a baby. At that time, due to the fact that most provinces and cities tend to formulate relevant regulations based on local conditions, the maternity insurance reimbursement period varies from place to place. This point requires special attention.
The timeframe for maternity insurance claims should be based on local social security center regulations, which may vary from 18 months to 10 months, or even shorter, such as 6 months.
Eligibility for Maternity Insurance Benefits: Maternity insurance is not available to everyone; only those who meet the following two conditions can be entitled to it: 1. The employer that employs female employees must provide maternity insurance and has paid contributions for a total of 12 months during the period of the employee's pregnancy.
2. Parents must comply with the relevant policies of China's family planning policy.
To claim maternity insurance benefits, one must prepare the necessary materials within a specified timeframe and then apply to the maternity insurance office. The essential documents required for maternity insurance claims include: 1. For female employees, it is necessary to provide their personal ID card, family planning certificate, and infant birth certificate.
If you are entitled to the preferential treatment for only children, you need to prepare a birth certificate as proof of your status.
2. Medical and medication expenses incurred during pregnancy. 3. For cesarean section, the invoice amount must exceed 5000 yuan; for vaginal delivery, the invoice amount must exceed 3000 yuan. Both the hospital's medical prescription and medication list are required as evidence.
4. Male employees need to prepare marriage certificates, spouse household registration books and ID cards for both men and women.
If the woman does not have a work unit, she needs to provide an unemployment certificate.
Reimbursement ratio of maternity insurance. Maternity insurance is paid by the employer for the employee, and individual employees are not allowed to purchase it alone.
Enterprises pay urban maternity insurance premiums at a rate of 0.8% of the contribution base every month. The basic medical expenses and medical expenses of female employees during the production process are paid by the Maternity Insurance Fund Office according to a proportional standard. The basic medical expenses include inspection fees, delivery fees, surgery fees and hospitalization fees, and the excess will be made up by the employer.
The maternity insurance reimbursement process is a relatively complicated process and also requires the applicant to prepare relevant certificates.
Now let's take a look at the maternity insurance reimbursement process: 1. After becoming pregnant, female employees need to go to the insurance window of the district social labor insurance department from their employer or street or town labor security service station to hand over the prepared information to the staff for review and verification before issuing a medical certificate.
2. Within 30 days of female employees taking maternity leave, the employer or the staff of the street or town labor security service station may also submit the application materials submitted by the child to the insurance window of the Social Labor Insurance Department for verification and processing.
The medical part covered in this article is for reading and reference only.
If you feel unwell, it is recommended to seek medical attention immediately, and the medical diagnosis and treatment will be subject to offline diagnosis.