Legal analysis: 1. The individual submits information to the employer or agency 2. The employer goes to the Medical Insurance Bureau of the Social Security Bureau, goes through the procedures for the designated birth hospital, receives the "Medical Voucher", and transfers it to the insured person 3. The individual can pass the "Medical Voucher"

》, medical expenses such as prenatal check-up, delivery, surgery and so on can be directly reimbursed at the selected maternity hospital.

Legal basis: Article 7 of the "Law of the People's Republic of China on the Protection of Labor Rights and Interests of Female Workers" stipulates that maternity insurance funds shall be collected and managed by social insurance institutions.

The maternity insurance fund is stored in a special bank account. The bank calculates interest based on the interest rate of urban and rural residents' personal savings deposits for the same period, and the interest earned is incorporated into the maternity insurance fund.

The maternity insurance fund must be earmarked and cannot be misappropriated by any unit or individual.