What is the use of maternity insurance in social security?

Maternity insurance in social security is a social insurance system established to protect the rights and interests of female workers in the process of childbirth.

First, the basic content of maternity insurance

Maternity insurance is an important part of social insurance system, which aims to provide economic support for female workers in the process of childbirth. Specifically, maternity insurance includes the following aspects:

Reimbursement of medical expenses: Maternity insurance can cover the medical expenses of female employees during childbirth, including hospitalization expenses, operation expenses and medicine expenses. This greatly reduces the financial burden of female workers and their families, and ensures that they can get timely and effective medical care.

Maternity allowance: female employees enjoy maternity leave for a certain period after giving birth, and maternity insurance can pay their allowance during maternity leave. This benefit not only helps female employees to get full rest and recovery after delivery, but also ensures that their basic living needs are met during maternity leave.

Other benefits: In addition to the above two basic contents, maternity insurance may also include other benefits, such as maternity nutrition subsidies and perinatal health care subsidies. These benefits aim to provide all-round support and protection for female employees in many aspects.

Second, the importance of maternity insurance

The establishment of maternity insurance is of great significance to female workers and their families. First of all, it protects the rights and interests of female workers in the process of childbirth, so that they can enjoy the medical care and welfare they deserve. Secondly, maternity insurance helps to reduce the financial burden of female workers and their families and ensure that they will not get into trouble due to economic problems during childbirth. Finally, the implementation of maternity insurance is also helpful to improve the fertility will and fertility rate of female workers, and has a positive effect on promoting the long-term balanced development of the population.

To sum up:

Maternity insurance in social security provides all-round protection for female employees from pregnancy to delivery and postpartum recovery, including medical expenses reimbursement, maternity leave allowance and other benefits. The implementation of this system not only protects the rights and benefits of female workers, but also reduces the economic burden of them and their families, which is of great significance to promoting the long-term balanced development of the population.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 53 provides that:

Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, and employees shall not pay maternity insurance premiums.

People's Republic of China (PRC) social insurance law

Article 54 provides that:

The employer has paid maternity insurance, and its 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.