Is maternity insurance included in medical insurance?

Not included. Medical insurance cannot replace maternity insurance, which does not include maternity insurance. Employee medical care and maternity insurance are different types of insurance. If you don't pay medical insurance, you can't reimburse maternity expenses. The employer shall pay maternity insurance according to law. Maternity insurance is a social insurance system in which the state and society provide medical services, maternity allowance and maternity leave when pregnant and pregnant female workers temporarily stop working, and the state or society provides necessary economic compensation and medical care for maternity workers.

Maternity insurance is a social policy that the state provides economic and material assistance to maternity workers through social insurance legislation. Its purpose is to provide maternity allowance, maternity leave and medical services for female workers, to ensure their basic economic income and medical care when they temporarily lose their working ability due to childbirth, and to help female workers recover their working ability and return to work, thus reflecting the support and care given to women by the state and society in this special period. Maternity insurance is a kind of social insurance, and it is a social policy that the state provides living security and material assistance to pregnant women through legislation. Its purpose is to help working women recover their working ability and return to work by providing them with maternity allowance, medical services and maternity leave.

Legal basis:

Special provisions on labor protection for female employees

Article 5 An employing unit shall not reduce the salary, dismiss or terminate the labor or employment contract of a female employee because of her pregnancy, childbirth and breastfeeding.

Article 6 If a female employee can't adapt to the original work during pregnancy, the employer shall reduce her workload or arrange other adaptive work according to the certificate of the medical institution. For female employees who have been pregnant for more than 7 months, the employer shall not extend working hours or arrange night work, and shall arrange certain rest time during working hours. Pregnant female workers have prenatal examination during working hours, and the time required is included in working hours.

Article 7 Female employees shall enjoy 98 days of maternity leave, including 15 days before delivery; In case of dystocia, maternity leave shall be increased 15 days; For multiple births, the maternity leave will be increased by 1 5 days for each additional child. Female employees who miscarry less than 4 months after pregnancy are entitled to 15 days maternity leave; Abortion after 4 months of pregnancy is entitled to 42 days of maternity leave.

Article 8 The maternity allowance for female employees during maternity leave shall be paid by the maternity insurance fund according to the standard of the average monthly salary of employees of the employing unit in the previous year; Those who have not participated in maternity insurance shall be paid by the employer according to the wage standard of female employees before maternity leave. Medical expenses incurred by female workers in childbirth or abortion shall be paid by maternity insurance fund according to the items and standards stipulated in maternity insurance. Did not participate in maternity insurance, paid by the employer.