Can maternity insurance cover the cost of pregnancy tests

Maternity insurance can cover the cost of pregnancy tests. Female employees who have enrolled in maternity insurance can enjoy maternity allowance, maternity leave, and can also be used to reimburse the medical expenses related to childbirth, including the cost of pregnancy tests, delivery or termination of pregnancy, and the cost of family planning surgery. Pregnant female employees only need to bring along their marriage certificate, social security card and the family planning certificate issued by the street to swipe the card at the designated medical institution for reimbursement and settlement of maternity insurance. It is important to note that if there are any out-of-pocket expenses for the pregnancy test, then they cannot be reimbursed.

Female workers' pre-maternity checkup expenses, maternity medical expenses, and family planning surgery expenses are paid in accordance with the payment principle of paying according to the limit; those below the limit will be paid according to the actual situation, and those above the limit will be paid according to the limit. Among them, the maximum payment limit is 50,000 yuan for hospitalization medical expenses for the treatment of childbirth complications.

Legal basis: Article 8 of the Special Provisions for the Labor Protection of Female Workers and Employees

The maternity allowance during the maternity leave of female workers and employees shall be paid by the Maternity Insurance Fund in accordance with the standard of the average monthly salary of the employees of the employing unit in the previous year for those who have participated in the maternity insurance; and for those who have not participated in the maternity insurance, it shall be paid by the employing unit in accordance with the standard of the salary of the female workers and employees prior to the maternity leave. The employer shall pay. The medical expenses of a female worker who gives birth to a child or has a miscarriage shall be paid by the Maternity Insurance Fund for those who have participated in the maternity insurance and by the employer for those who have not participated in the maternity insurance, in accordance with the items and standards stipulated in the maternity insurance.