Can I get maternity allowance only by paying maternity insurance and not social security?

You can't get maternity allowance if you only pay maternity insurance without paying social security.

Maternity allowance is one of the guarantee responsibilities in maternity insurance, which requires the insured to complete the payment of maternity insurance according to the regulations. Individual maternity insurance needs to be in the payment state when receiving maternity allowance, otherwise there will be no corresponding maternity allowance. It should be noted that there are only two kinds of social security directly paid by individuals: endowment insurance and medical insurance, and only the social security paid by employers will include maternity insurance; Therefore, if individuals have the need to enjoy relevant treatment, they need to participate in social security for employees according to regulations.

There are three main forms of maternity allowance:

1, the unit has participated in maternity insurance for its employees, and the maternity allowance is paid by the maternity insurance fund;

2 units did not participate in maternity insurance for employees, maternity allowance paid by the unit in accordance with the relevant provisions;

3 foreign registered workers did not participate in maternity insurance in this city, maternity allowance by the unit in accordance with the relevant provisions, local wage payment methods, labor security regulations for female employees and other documents to pay.

Maternity medical expenses include the following contents:

1, maternity medical expenses;

2. Family planning medical expenses;

3. Other project expenses stipulated by laws and regulations.

To sum up, you can't get maternity allowance without paying social security. Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, and employees shall not pay maternity insurance premiums. Maternity allowance is actually maternity leave salary, not a treatment that can be received repeatedly. Maternity allowance is calculated and paid according to the average monthly salary of employees in the previous year.

Legal basis:

Article 56 of People's Republic of China (PRC) Social Insurance Law

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.