Can social security not buy maternity insurance?

You can't. Social security is tied together now. The so-called five risks refer to: pension, medical care, unemployment, work injury and maternity. When paying social security fees, they are tied together. At least you can pay separately. For example, medical insurance can be paid separately from the other four items, but with the improvement of social security system, the payment method is more formal, and it is generally not allowed to pay separately. Moreover, whether the future maternity insurance is incorporated into medical insurance is no longer listed separately. It has also been proposed to cancel maternity insurance and replace it with unified medical insurance. If so, it is even more necessary to buy maternity insurance. Otherwise, if maternity insurance and medical insurance are merged in the future, the calculation of individual contributions will become another problem. When other people count together, it is difficult to calculate the part that has not paid maternity insurance. To sum up, even if it is not used now, it is best not to miss any item in basic social insurance.