The "Program" clarifies that employees who participate in the basic medical insurance for employees will also participate in maternity insurance. In the process of implementation, it is necessary to improve the scope of insurance coverage and find out the base number in combination with the national insurance registration plan to promote the realization of insurance coverage. After the merger of the two insurances, individuals do not pay maternity insurance premiums. Maternity insurance benefits for employees during their maternity period remain unchanged. Maternity insurance benefits include maternity medical expenses and maternity allowance stipulated in the Social Insurance Law of People's Republic of China (PRC), and the required funds are paid from the employee's basic medical insurance fund. The maternity allowance shall be paid in accordance with the maternity leave period stipulated in the Special Provisions on Labor Protection of Female Workers and other laws and regulations.
Only by paying maternity insurance can the expenses incurred in giving birth to a baby be reimbursed. However, for most part-time workers and freelancers, although they can pay their own social security and medical insurance, they cannot pay their own maternity insurance. Only employees who get five insurances and one gold through the company can get maternity insurance and enjoy maternity reimbursement. All employees, including male employees, who have established labor relations with the employing unit shall participate in maternity insurance. Employers pay maternity insurance premiums in accordance with state regulations, and employees do not pay maternity insurance premiums.