Does the five insurances include maternity insurance?

Maternity insurance is among the five insurances.

Maternity insurance is one of the five social insurances in China, which aims to protect the basic medical expenses and part of the living expenses of female employees during their maternity. Maternity insurance shall be paid in full by the employer and shall not be deducted from the personal salary. The insurance covers related expenses such as pregnancy check-up, delivery and family planning operation. Eligible female employees can get maternity allowance when giving birth to compensate for the loss of income during maternity leave. In addition, maternity insurance may also include paternity leave allowance for male employees.

Components of social security:

1. Old-age insurance: providing basic living security for employees after retirement;

2. Medical insurance: medical expenses subsidies for employees and their families;

3. Unemployment insurance: providing economic assistance to unemployed workers for a certain period of time;

4. Work-related injury insurance: providing medical and economic compensation for employees who suffer from work-related injuries or occupational diseases;

5. Maternity insurance: providing medical expenses and maternity allowance for female employees during their maternity.

To sum up, maternity insurance, as one of the five social insurances in China, provides medical care and part of the living expenses for female employees during childbirth, which is paid in full by the employer, covering all stages of pregnancy and childbirth, providing maternity allowance for eligible women and making up for the loss of maternity leave income. In some areas, it is also possible to provide paternity leave allowance for men, but the specific treatment varies according to regional policies.

Legal basis:

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

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The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.