Secondly, some products have different levels of packages to choose from in the same area, and you can set your own deductible.
Then, for some products, hospitals can be selected: for example, in the Chinese mainland Plan, private hospitals (such as Jiamu)/special needs clinics of domestic 3A hospitals/domestic general practice are selected respectively.
Female-specific maternity insurance includes: one-year maternity insurance, serious illness insurance for returning women, and high-end VIP medical care.
1) One-year maternity insurance product
Mainly to protect maternal and infant accidents, including maternal death and abortion.
2) Women's critical illness insurance
According to the situation of women, the protection of special site surgery, accidental plastic surgery, abnormal pregnancy and congenital diseases of newborns has been increased.
3) VIP medical treatment
Compared with the first two kinds of insurance, this kind of products are more expensive and suitable for high-income families to buy.
The maternity part is additional insurance, and the main insurance includes outpatient and hospitalization insurance, which needs to be purchased in combination, with a total insurance coverage of tens of millions of yuan per year.
Some companies accept individual insurance, while others can only participate in group insurance (generally more than five people).
Extended data:
According to the provisions of the labor protection of female workers:
Article 5 An employing unit shall not reduce the salary, dismiss or terminate the labor or employment contract of a female employee because of her pregnancy, childbirth and breastfeeding.
Article 6 If a female employee can't adapt to the original work during pregnancy, the employer shall reduce her workload or arrange other adaptive work according to the certificate of the medical institution.
For female employees who have been pregnant for more than 7 months, the employer shall not extend working hours or arrange night work, and shall arrange certain rest time during working hours. Pregnant female workers have prenatal examination during working hours, and the time required is included in working hours.
Article 7 Female employees shall enjoy 98 days of maternity leave, including 15 days before delivery; In case of dystocia, maternity leave shall be increased 15 days; For multiple births, the maternity leave will be increased by 1 5 days for each additional child. Female employees who miscarry less than 4 months after pregnancy are entitled to 15 days maternity leave; Abortion after 4 months of pregnancy is entitled to 42 days of maternity leave.
Article 8 The maternity allowance for female employees during maternity leave shall be paid by the maternity insurance fund according to the standard of the average monthly salary of employees of the employing unit in the previous year; Those who have not participated in maternity insurance shall be paid by the employer according to the wage standard of female employees before maternity leave.
Medical expenses incurred by female workers in childbirth or abortion shall be paid by maternity insurance fund according to the items and standards stipulated in maternity insurance. Did not participate in maternity insurance, paid by the employer.
Article 9 The employing unit shall not extend working hours or arrange night shift work for female employees who are breast-feeding infants under 1 one year old. The employer shall arrange 1 hour breastfeeding time for lactating female employees during daily working hours; If a female worker gives birth to multiple births, the breastfeeding time will increase by 1 hour every day for each additional birth 1 baby.
Article 10 An employing unit with a large number of female employees shall, according to the needs of female employees, set up facilities such as female employees' health rooms, pregnant women's lounges and nursing rooms. Properly solve the difficulties of female workers in physical hygiene and breastfeeding.
Baidu encyclopedia-female maternity insurance