Is it illegal to depend on a company for maternity insurance

It is not illegal to purchase maternity insurance through a company. However, individuals must have a labor relationship with the enterprise in order to participate in the insurance, and social security premiums are the company and the individual **** the same, by the enterprise to pay. Maternity insurance is a social insurance system in which the state and society provide medical services, maternity allowances and maternity leave to women workers who are pregnant or have given birth when their labor is temporarily interrupted. The insurance is paid for by enterprises.

The state regulations on maternity insurance make it clear that maternity insurance must be paid by the organization, and that individuals cannot buy maternity insurance on their own.

Social security affiliation means that individuals who want to buy social security, for some reasons, do not have a company to pay the social security for them, so they affiliate their social security with an agency specializing in social security payment, and the agency will buy social security for them. According to the relevant provisions of China's labor law and social insurance law, the employer should pay social insurance for the workers after establishing labor relations with them. But in the form of social security affiliation to pay social security, the individual and the agency actually do not exist in the labor relationship.

Legal basis

Article 53 of the Full Text of the Law of the People's Republic of China on Social Insurance Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with the provisions of the State, and the employee shall not pay maternity insurance premiums.

Article 54 of the Social Insurance Law "Where an employer has paid maternity insurance, its employees shall enjoy maternity insurance benefits; the employee's unemployed spouse shall enjoy maternity medical expenses in accordance with state regulations. The required funds shall be paid from the Maternity Insurance Fund." The above provisions show that the scope of China's maternity insurance covers all employers and their employees, and extends to the unemployed spouses of the employers' employees. However, the coverage of maternity insurance varies from region to region in China, and the specific coverage is subject to the information published by the local human resources and social security bureau.