Pregnant women without social security can use the husband's maternity allowance

Pregnant women without social security can use their husband's maternity allowance.

If a pregnant woman herself is not enrolled in social insurance, she can rely on her husband's maternity insurance to enjoy maternity medical expenses. Specific conditions include: the husband's unit has paid maternity insurance premiums for him for more than 12 consecutive months; the pregnant woman is not employed or her unit has not paid maternity insurance premiums; and the children born to the couple are in line with the state's family planning policy. Where these conditions are met, a pregnant woman may be reimbursed for maternity medical expenses through her husband's maternity insurance, but will not receive a maternity allowance. The reimbursement will be paid from the Maternity Insurance Fund.

Maternity insurance benefits of social security:

1. Basic benefits of maternity insurance: including reimbursement of maternity medical expenses and payment of maternity allowance;

2. Scope of reimbursement of maternity medical expenses: usually covering the expenses of pregnancy checkups, delivery, and family planning surgeries;

3. Calculation of the maternity allowance: usually based on the social security contributions of the participants Maternity insurance reimbursement process: you need to submit relevant medical certificates, birth certificates and other documents for reimbursement;

5. Maternity insurance coverage: mainly for the insured female workers to provide financial protection during childbirth.

In summary, if a pregnant woman is not enrolled in social insurance, she can rely on her husband's maternity insurance to reimburse her for maternity medical expenses, but she cannot receive maternity allowance.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 54

If an employer has paid maternity insurance premiums, its employees shall enjoy maternity insurance benefits; the employee's unemployed spouse shall enjoy maternity medical expenses in accordance with state regulations. The necessary funds are paid from the Maternity Insurance Fund. Maternity insurance benefits include maternity medical expenses and maternity allowance.