Maternity insurance is compulsory and must be paid by my company, which means that individuals cannot pay it. Generally, the company will have a special person in charge, and the individual only needs to submit the information as required. If you are not employed in the company, you can call the talent company and ask them to buy social security (including maternity insurance). Of course, you must pay all the insurance premiums yourself and some management fees. However, it's better than not buying.

If the man's company buys maternity insurance, the woman can enjoy it, and the man can also enjoy maternity leave to take care of the mother and son. However, the amount of reimbursement is small.

About commercial insurance. At present, there is no insurance specifically for maternity reimbursement in the market. More insurance companies can be required to buy women's insurance and maternal and child insurance. But generally this kind of insurance has a long validity period and strict requirements. It is best to purchase major illness insurance, accident insurance and hospitalization insurance in advance to increase protection.

Maternity allowance: maternity allowance is the salary of female employees during maternity leave. If the maternity allowance is lower than my salary standard, the difference will be made up by the enterprise. 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.

Extended data

First, the maternity insurance fund compensates the unit in the form of maternity allowance. The compensation standard is: female employees who have been pregnant for more than 7 months (including 7 months) and delivered naturally or who have been born prematurely for less than 7 months will enjoy a maternity allowance of 3 months; In case of dystocia or cesarean section, the maternity allowance will be increased by half a month, and in case of multiple births, the maternity allowance will be increased by half a month for each additional baby; Pregnant for more than 3 months (including 3 months) but less than 7 months, those who have miscarried or induced labor are entitled to maternity allowance 1.5 months;

Abortion due to pathological reasons within 3 months of pregnancy is entitled to 1 month maternity allowance. Maternity allowance is based on the average monthly payment salary of maternity insurance for female employees before prenatal or family planning operation 12 months.

Two, maternity nutrition subsidies and perinatal health care subsidies, who meet the requirements of the state to enjoy maternity leave for more than 90 days (including 90 days) can enjoy maternity nutrition subsidies in 300 yuan, perinatal health care subsidies in 700 yuan.

3. One-time maternity allowance: female employees who take part in maternity insurance in our company are unemployed, and if they give birth in accordance with family planning regulations during the period of receiving unemployment insurance benefits, they can enjoy one-time maternity allowance: 2,400 yuan for miscarriage in 400 yuan, 4,000 yuan for dystocia multiple births, and 50% for male employees whose spouses are not included in maternity insurance and give birth to their first child in accordance with family planning regulations.

Four, maternity allowance compensation to the unit, the insured female workers during maternity leave my basic salary, bonus and welfare expenses paid by the unit.

Five, the cost of family planning operation, including the implementation of placing (taking out) IUD, induced abortion, induced labor, skin burial, sterilization and recanalization surgery due to family planning needs, included in the settlement scope of maternity insurance fund.

Baidu encyclopedia-maternity insurance