After the merger of maternity insurance and medical insurance, the expenses arising from the birth check-up will be paid directly from the overall account, and the insured workers will directly withdraw the limit of 3,000 yuan, and the residents will directly withdraw the limit of 1500 yuan, which will be paid in full by the overall fund. After the merger, maternity insurance still exists, and five insurances are still five insurances. After the merger, individuals still do not need to pay maternity insurance, but only the unit.