Legal analysis: At present, the agency of individual maternity insurance exists, but it only involves the specific information such as the party's ID card, household registration book and marriage certificate. Theoretically, when the parties are in the middle of the month, there will not be such a big loophole in the policy, and the parties must deal with it themselves. Maternity insurance reimbursement process refers to the procedure that employers and employees themselves reimburse maternity medical expenses, maternity allowance and other expenses of female employees and nursing leave allowance of male employees' spouses during childbirth to the overall regional maternity insurance fund. Application materials required to be submitted by the employer:

1, social insurance registration form

2, to participate in the basic pension, work injury and maternity insurance personnel increase or decrease table

3, enterprise employees basic pension, work injury and maternity insurance declaration summary table.

The application materials to be submitted by the maternity female worker:

1, family planning certificate issued by the family planning department (original and copy)

2, the baby's birth (death) certificate issued by the medical department (original and copy)

3, the birth of female workers, family planning workers my ID card (original and photocopy)

4, the enterprise employee maternity medical certificate review form

5, enterprise employees family planning surgery medical certificate application form

6, enterprise employees maternity medical expenses reimbursement application form

7, maternity insurance benefits of enterprise employees approved settlement table

8, enterprise employee maternity insurance on-site medical application form

9, maternity medical bills, cost list, outpatient medical records, discharge summary and other raw materials.

10, receipt.

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

Fifty-fourth employers have paid maternity insurance premiums, and their employees enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund. Maternity insurance benefits include maternity medical expenses and maternity allowance.

Article 56 Employees may enjoy maternity allowance in accordance with state regulations under any of the following circumstances: (1) Female employees enjoy maternity leave when giving birth; (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.