Maternity insurance belongs to the scope of social security. Pension, medical care, work-related injury, unemployment and maternity are five types of insurance in social security, but not every unit gives the above five, so the expenditure of the unit is large, and some units only have pension and medical care. Payment of social security, unit 12%, individual 8%. As long as the employee signs a labor contract, there is this benefit. At present, many people are concerned about the reimbursement standard of male maternity insurance. In fact, the cost is slightly lower than that of female employees. Generally speaking, maternity insurance premiums are paid by enterprises on a monthly basis, and individual employees do not pay maternity insurance premiums. Only female employees with units can buy maternity insurance. After being insured for one year, you can give birth during the insurance period and enjoy maternity insurance benefits. The national law also gives the corresponding answer to the question of how to pay individual maternity insurance. According to the Measures for Maternity Insurance, individuals do not pay maternity insurance premiums. After the implementation of the "Measures", the urban maternity insurance fund will be temporarily transferred from the urban endowment insurance and the basic medical insurance fund, and individuals will not bear the obligation of payment, nor will they increase the burden of unit payment. Among them, the urban endowment insurance fund is transferred according to 0.5% of the total wages paid by the city for social insurance premiums; The basic medical insurance fund is transferred according to 0.3% of the total wages paid by the whole city. Regarding the "Measures" in which "employers and units pay urban maternity insurance premiums at 0.8% of the payment base", it will be implemented when the relevant social insurance rates in this Municipality are adjusted. The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. It seems that the national regulations on maternity insurance make it very clear that maternity insurance must be paid by the unit, and individuals cannot buy maternity insurance themselves. Therefore, maternity insurance can only be paid if it is attached to the unit. Since you have a unit, although he doesn't pay it, but you want to be responsible for this part of the expenses yourself, you should be able to negotiate with the unit and handle it through the unit. However, it should be noted that maternity insurance should be paid over 1 year, and maternity is only reimbursed and subsidized, so it must be handled before pregnancy. This is also the standard stipulated by many places such as Chengdu maternity insurance reimbursement standard, but the premise is that you have two social insurances: endowment insurance and medical insurance, and then you can pay maternity insurance, otherwise you can't just pay maternity insurance. It is most appropriate to apply for maternity insurance in the first three months, because maternity insurance must be paid for 12 months before you can enjoy reimbursement. If you want to have a baby for reimbursement, it is meaningless to pay maternity insurance now. Because individuals can't apply for maternity insurance, which is very different from hospitalization medical insurance in Shenzhen. Only employees can pay. If you ask a company to help you pay, the company must pay five kinds of insurance for you at the same time, and you must pay for half a year before you can enjoy maternity insurance. The payment fee for five insurances is very high, because your payment is composed of units and individuals, and the proportion of unit payment accounts for the majority. If you call the company, all your payment units will definitely charge you in full. You have this. Another point is that maternity insurance reimbursement is all-inclusive, natural childbirth can only be reimbursed, and caesarean section is also reimbursed according to the cost of natural childbirth. Finally, as a freelancer, you can apply for social security directly at the social security office where your household registration is located, and you must pay endowment insurance. You don't have to pay medical insurance, but you must also pay old-age insurance. I can help you hand it in if you work in the future. If there is no unit, you can hand it in yourself. In fact, only endowment insurance has the greatest relationship with personal interests, followed by medical care, and hospitalization expenses can be reimbursed in proportion. The rest of the insurance is of little significance to individuals. You know, only by paying maternity insurance can you reimburse the expenses incurred in giving birth to a baby. However, freelancers cannot pay maternity insurance because they are individuals. Only units and individuals who pay social security can pay maternity insurance and enjoy maternity reimbursement. It is best to apply for this reimbursement within the year when the expenses are incurred, and don't delay it for too long.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.