According to the information of Zhihu Platform, maternity insurance is paid by the employer on a monthly basis according to a certain proportion of the total wages of employees in the unit, and individuals cannot pay it. The proportion of maternity insurance payment varies from place to place, and the policies and standards in different regions are different. Generally speaking, the contribution rate of maternity insurance is between 0.5%- 1%. There are also minimum and maximum restrictions on the payment base of maternity insurance, which is generally based on the average monthly salary of local employees in the previous year or my average monthly salary.

Maternity insurance includes maternity allowance and maternity medical expenses. Maternity allowance means that female workers can get a sum of money instead of wage income during their vacation because they have children. The money is paid by the maternity insurance fund, transferred to their own company, distributed by the company, or collected at the social security outlets themselves. The calculation formula of maternity allowance is: maternity allowance = before prenatal or family planning operation1February, the average monthly payment salary of maternity insurance for female employees × vacation days 650.