Guangzhou maternity insurance men and women should participate in the Guangzhou social security provident fund agency

"Guangdong Province Employee Maternity Insurance Regulations" will be implemented this year. Who participates in maternity insurance? Male employees and female employees who have given birth no longer need to enjoy maternity insurance benefits. Can they not participate in maternity insurance? It is understood that both male and female employees, whether those who have given birth or those who have not given birth, should participate in maternity insurance in accordance with regulations, so as to reflect the characteristics of social insurance that help each other. Male employees participate in maternity insurance, and their unemployed spouses You can enjoy maternity medical expenses.
Who participates in maternity insurance?
According to regulations, state agencies, enterprises, institutions, social groups, private non-enterprise units, foundations, law firms, accounting firms and other organizations within the administrative area of this city and individual industrial and commercial households with employees (hereinafter Collectively referred to as the employer) and all of its employees and employees (hereinafter collectively referred to as employees) participate in maternity insurance. Employers and their employees who are registered in this city in accordance with the principle of territorial management participate in maternity insurance. Units that originally participated in maternity insurance at the Guangdong Provincial Social Security Fund Administration Bureau and their employees shall participate in the city’s maternity insurance in accordance with the principles of territorial management.
Who pays the maternity insurance premium? It is understood that maternity insurance is paid monthly by the employer, and individual employees do not pay. The employer's monthly maternity insurance premium payment base is the sum of the employer's employee payment bases. The employee payment base shall be the total salary of the previous month. The payment base for the first month of new employment, re-employment and newly established employer shall be the total salary of the first month. If the total salary exceeds the city's average monthly salary of employees in the previous year by 3, the excess will not be included in the payment base. This is the upper line of the payment base. The payment base shall not be lower than the minimum wage standard announced by the municipal government, which is the lower line of the payment base.
What is the difference between maternity insurance and maternity medical insurance?
Many insured persons have discovered that there are two concepts: maternity insurance and maternity medical insurance, and during the policy transition period, maternity insurance participants who have participated in maternity medical insurance are different from those who have not participated in maternity medical insurance. Insurance participants differ in how they handle maternity insurance benefits.
Male employees and female employees who have given birth no longer need to enjoy maternity insurance benefits. Can they not participate in maternity insurance? A male employee has participated in maternity insurance, but his wife has no job and has not participated in maternity insurance. Is the male employee's participation in the insurance just a wedding dress for others?

One of the highlights of the maternity insurance policy is to clarify the maternity medical expense benefits for the unemployed spouses of insured employees, so as to reduce the burden of maternity expenses on employees’ families. According to regulations, if an employer has paid maternity insurance premiums in full and on time, its employees will enjoy maternity insurance benefits, and the employees’ unemployed spouses will enjoy maternity medical expenses. However, if the unemployed spouse of an employee already enjoys maternity benefits from the Basic Medical Insurance for Urban and Rural Residents, Basic Medical Insurance for Urban Residents, New Rural Cooperative Medical Care and other systems, he or she will no longer enjoy maternity medical expense benefits.
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