Legal analysis: maternity insurance can guarantee their basic life and safe childbirth from the aspects of reimbursement of maternity medical expenses, payment of wages during childbirth, and enjoyment of extra-long maternity leave. It mainly covers people who participate in social security for urban workers and their unemployed spouses, and can be enjoyed by office workers, freelancers who participate in insurance and housewives who are old bus social security.

If you are insured and pay the hospitalization medical insurance, then you can only enjoy the medical insurance benefits when you are sick in the hospital, and you can't use it in the outpatient clinic.

Those who pay maternity insurance can enjoy maternity insurance benefits when giving birth.

Those who do not pay maternity insurance cannot enjoy maternity insurance benefits.

If you are insured with maternity insurance, you can generally reimburse about 50% of the expenses.

If you need to know about social security and medical insurance, you can log on to the websites of the local social security bureau and health bureau, or go to the social security bureau and health bureau in person to understand and consult relevant policies, regulations, knowledge and questions.

There are two kinds of medical insurance: comprehensive medical insurance and hospitalization medical insurance.

If you have comprehensive medical insurance, some tests are free. When you go to the hospital for examination, the hospital will automatically waive this part of the fee.

Legal basis: Article 28 of the Social Insurance Law of People's Republic of China (PRC) conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue medical expenses, and shall be paid from the basic medical insurance fund in accordance with state regulations.