China's maternity insurance benefits mainly include two items: one is maternity allowance, which is used to protect the basic needs of female employees during maternity leave; The second is maternity medical care, which is used to ensure the basic medical care needs of female employees during pregnancy, childbirth and birth control surgery. With the development of the times, women workers play an irreplaceable role in the development and construction of cities today. Therefore, in order to give full play to the role of female workers, we must seriously study the practical problems of female workers. However, maternity insurance for female employees is an unavoidable and urgent problem at present. Maternity insurance for female employees is an important part of the whole social security system. Vigorously develop and improve the maternity insurance system for female employees. It is not only related to the vital interests of the broad masses of female workers of childbearing age, but also related to the deepening of reform and the coordinated development of economy and society.

At present, the Trial Measures for Maternity Insurance for Enterprise Employees, the Regulations on Maternity Insurance for Female Employees and the local laws and regulations formulated by local governments, which are the main basis for the implementation of maternity insurance in various places, are too flexible in the specific implementation process due to the low legal effect of administrative regulations and rules, resulting in inconsistent implementation standards, inconsistent implementation efforts and great implementation resistance. Therefore, it is imperative to improve the legislative level of maternity insurance, strengthen its legal coercive force and formulate a maternity insurance law suitable for working women in all walks of life throughout the country. Only by standardizing the behaviors and responsibilities of maternity insurance management through legal forms, establishing an effective management system, establishing a social overall maternity insurance model that is suitable for economic development, ensuring that all behaviors are legally based and enhancing the mandatory nature of laws can we effectively promote and promote the continuous improvement and development of maternity insurance system and protect women's legitimate rights and interests.

According to the regulations, the payment scope of maternity insurance fund includes: maternity allowance; Maternity medical expenses; Medical expenses for family planning operation; Other expenses stipulated by the state and this Municipality. Maternity allowance is calculated according to the payment base of the month when female employees give birth divided by 30 and multiplied by the number of days of maternity leave. Maternity allowance is the salary of female employees during maternity leave, and the difference between maternity allowance and my salary standard is made up by the enterprise. Maternity medical expenses include medical examination expenses, delivery expenses, operation expenses, hospitalization expenses and medicine expenses incurred by female employees due to pregnancy and childbirth. Those who meet the requirements of the basic medical insurance drug list, diagnosis and treatment items and medical service facilities shall be paid by the maternity insurance fund.

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