What should I do if I am pregnant and have not bought any insurance?

Legal analysis: If you are pregnant and have no social security, I suggest you buy cooperative medical care, which can reimburse hospitalization expenses. Because the maternity insurance in the social security five insurance can only be paid by the unit, and the employee needs to pay the maternity insurance continuously for 7 months before giving birth. Workers who meet the requirements can go through the formalities of maternity allowance, submit relevant materials after childbirth, and receive maternity allowance after 2 months of examination and filing by the Social Security Bureau.

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.

Fifty-sixth employees 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.