Maternity insurance refers to a social insurance system in which the state and society provide medical services, maternity benefits and maternity leave when pregnant and childbirth female workers temporarily interrupt their work through legislation. The state or society provides benefits to employees who give birth.

A social insurance system that provides necessary economic compensation and medical care can provide citizens with better living security.

Maternity insurance benefits in my country mainly include two items.

One is maternity allowance, and the other is maternity medical treatment.

Extended information: The main characteristics of maternity insurance: The objects of maternity insurance are mainly female employees, so the group of people enjoying the benefits is relatively narrow.

With social progress and economic development, some areas allow female employees to give their spouses a certain amount of leave to take care of their wives after giving birth, and pay them holiday wages; some areas also provide financial subsidies to the spouses of male employees.

The conditions for enjoying benefits vary from country to country.

Some countries require recipients to have insurance records, years of employment, national citizenship, etc.

my country's maternity insurance requires that the recipients must be legally married, that is, they must meet the legal age for marriage, go through legal procedures in accordance with the provisions of the Marriage Law, and comply with the national family planning policy.

Regardless of the outcome of pregnancy, female employees can receive compensation in accordance with regulations.

That is to say, regardless of whether the fetus is alive or not, the mother can enjoy relevant benefits, including miscarriage, induced labor, and accidents between the fetus and the mother, etc., she can enjoy maternity insurance benefits.

Medical services during childbirth mainly focus on health care, consultation, and examination, which are different from the medical services provided by medical insurance, which focus on treatment.

Medical services during the childbirth period focus on guiding pregnant women to properly handle the relationship between work and cultivation, health care and exercise, so that they can successfully pass the childbirth period.

Prenatal check-ups and delivery and midwifery help mothers to give birth smoothly through medical means.

Childbirth is a natural phenomenon and does not require special treatment under normal circumstances.

There are fixed requirements for maternity leave.

Maternity leave should be arranged according to the childbearing period, divided into pre-natal and post-natal.

Prenatal leave cannot be used earlier or later.

Maternity leave must also be enjoyed during the childbirth period and cannot be accumulated for use at other times.

Maternity leave periods vary from country to country.

The normal maternity leave stipulated in our country is 90 days, of which 15 days are prenatal leave and 75 days are postpartum leave.

Maternity insurance benefits have a certain welfare component.

Economic compensation during childbirth is higher than pension, medical and other insurance.

The maternity allowance provided by maternity insurance is generally the original salary level of female employees who give birth, and is also higher than other insurance items.

In addition, in our country, individual employees do not pay maternity insurance premiums, but are paid by the participating units according to a certain proportion of their total wages.