1, the object of protection is different, the object of maternity insurance is female employees, and childbirth is a natural physiological phenomenon, not a pathological phenomenon; The object of maternity medical care is all employees, and employees fall into the category of medical insurance when they are sick or injured at work.

2. Maternity insurance includes maternity allowance, medical services and paid holidays. Medical insurance includes medical services, excluding sickness benefits;

3. Different fund models, the maternity insurance fund is mainly based on fixed income, with a basic balance of income and expenditure and a slight balance; Individual employees do not pay fees. Reproductive health care is the combination of social pooling and personal accounts to establish personal accounts and leave some accumulation; Individual employees pay according to the prescribed proportion;

4, enjoy different conditions, maternity insurance to reach the legal age of marriage and in line with the national family planning policy of married female workers as the insured object, maternity medical care to sick or non-work-related injuries as the insured object;

5, different levels of treatment, maternity insurance to enjoy the principle of prenatal and postpartum, the level of treatment is higher than the level of medical insurance treatment. After maternity medical treatment is sick, employees need to bear part of the medical expenses.

Legal basis: Article 56 of the Social Insurance Law of People's Republic of China (PRC).

Workers in any of the following circumstances can enjoy maternity allowance in accordance with state regulations:

(1) Female employees enjoy maternity leave;

(2) Enjoy family planning operation leave;

(3) Other circumstances stipulated by laws and regulations.

Maternity allowance is calculated and paid according to the average monthly salary of employees in the previous year of the employer.