Maternity insurance benefits for employees during childbirth include maternity medical expenses, maternity allowance and one-time nutrition subsidy. Among them, maternity medical expenses include maternity medical expenses, family planning medical expenses and other project expenses stipulated by laws and regulations. The medical expenses of childbirth include the expenses of prenatal examination, medical expenses during hospitalization and childbirth, and medical expenses of abortion or induced labor caused by childbirth.

1. If the prenatal examination expenses incurred by employees participating in maternity insurance meet the requirements of maternity insurance, they shall be paid by the maternity insurance fund according to the limit, and the limit standard is 1000 yuan/person. The medical expenses incurred by employees participating in maternity insurance for hospitalization, delivery, abortion, induced labor and family planning operations in secondary and below medical institutions shall be paid in full by the maternity insurance fund.

2. The medical expenses incurred by employees participating in maternity insurance during hospitalization and delivery in tertiary medical institutions that meet the requirements of maternity insurance shall be paid in full by the maternity insurance fund for the part below 4,200 yuan, and 90% by individuals for the part above 4,200 yuan (10%). The medical expenses of abortion, induced labor and family planning operation caused by childbirth in tertiary medical institutions that meet the requirements of maternity insurance shall be paid in full by the maternity insurance fund.

3. In addition, if an employee gives birth or induces labor after seven months of pregnancy, he will be given a one-time nutritional subsidy, and the standard is 2% of the average annual salary of employees in urban non-private units in the previous year. Maternity allowance is paid according to the number of days of maternity leave or vacation, and the calculation base is the average monthly salary of employees in the previous year divided by 30.

1. Nowadays, more and more regions have introduced many new policies to reduce the burden in order to encourage prenatal and postnatal care. For example, for Down syndrome, many places provide non-invasive DNA screening for elderly women free of charge, and the puncture examination also reimburses a certain fee. After giving birth to a child, the general streets and communities can give certain rewards, and some local rewards are 500 yuan. In some places, it is 2000 yuan. Although it is a drop in the bucket compared with the cost of raising children, the future policy will be more and more favorable.