Maternity insurance is entirely borne by the enterprise, individuals do not need to pay, and it is legal.

Payment standard: Maternity insurance premiums are paid according to the insurance base, with a payment ratio of 1%, and are paid in full by the company.

Conditions: (1) Give birth in compliance with the national family planning policy or undergo family planning surgery; (2) The employer participates in maternity insurance in accordance with regulations and has paid maternity insurance premiums in full for the employee for more than one year.

Benefits: (1) Maternity allowance for female employees during maternity leave; maternity allowance is the average monthly paid salary of the previous year divided by 30 days multiplied by the number of maternity leave days.

(2) Medical expenses incurred by female employees during childbirth, including examination fees, delivery fees, surgery fees, hospitalization fees, medicine fees and treatment fees incurred by female employees due to pregnancy and childbirth.

(3) Medical expenses incurred by employees for family planning surgeries, including medical expenses incurred by employees for insertion (removal) of intrauterine devices, abortion, induction of labor, sterilization and recanalization surgeries.

(4) Other expenses related to maternity insurance stipulated by the state.

Specific provisions: (1) The spouse of a male employee participating in maternity insurance does not have an employer and complies with the family planning policy, and shall enjoy maternity subsidy based on 50% of the prescribed maternity medical expenses; the spouse of a male employee participating in maternity insurance has an employer but does not have an employer.

For those who participate in maternity insurance, the maternity insurance fund will not pay corresponding medical expenses and other maternity insurance benefits.

(2) The medical expenses incurred by insured employees for hospitalization for pregnancy complications, childbirth complications, postpartum complications and complications from family planning surgery shall be borne by the maternity insurance fund; if an insured employee undergoes a cesarean section during childbirth and suffers from uterine muscle injury,

For resection of tumors, ovarian cysts, ovarian tumors, etc., the increased costs due to the above operations will be paid by the medical insurance fund.

Designated medical institutions upload and settle on a project-by-project basis through the maternity and medical insurance networks respectively.

(3) Workers who participate in maternity insurance and are stationed in other places for a long time should go to the medical insurance agency to register for maternity insurance in another place with the application for diagnosis and treatment or maternity issued by the unit, and choose a local medical institution as the designated hospital for their childbirth.

If an insured employee suffers from pregnancy complications or childbirth complications, he or she must provide admission records, medical orders, detailed expense lists, etc., and apply for various maternity insurance benefits at the medical insurance agency in the following month.

(4) If an insured employee gives birth or undergoes family planning surgery in a non-designated medical institution due to emergencies, first aid, etc., he or she must report to the medical insurance agency for record within 5 days.

(5) The catalog of drugs, diagnosis and treatment and service facilities used in maternity insurance shall be based on the provisions of the basic medical insurance for urban employees. There is no self-payment ratio for medical items.