What does maternity insurance include?

Maternity insurance is a social insurance system stipulated by national legislation, which provides timely material assistance by the state and society when the labor force is temporarily interrupted due to maternity. Maternity insurance benefits in China mainly include two items. First, maternity allowance is used to protect the basic needs of female employees during maternity leave; The second is maternity medical care, which is used to ensure the basic medical care needs of female employees during pregnancy, childbirth and birth control surgery. What are the main benefits of maternity insurance? (1) maternity leave. Refers to the rest time provided by national laws and regulations for employees during childbirth. Specifically, it refers to the holidays enjoyed by female employees before and after childbirth. The main function of maternity leave is to enable female workers to have a proper rest during childbirth, gradually recover their physical strength, and the baby can be carefully cared for and nursed by the mother. Before the 1980s, China set the holiday for pregnancy, childbirth and postnatal care for babies at 56 days. 1988 promulgated the Provisions on Labor Protection of Female Workers, which greatly revised the original provisions. At present, the legal normal maternity leave is 90 days, including prenatal leave 15 days and postpartum leave of 75 days. In case of dystocia, maternity leave shall be increased 15 days. For multiple births, the maternity leave will be increased by 15 days for each additional baby. Maternity leave for abortion is divided into four months. If the abortion is less than four months, maternity leave of 15-30 days shall be granted according to the certificate of the medical department; The maternity leave for abortion for more than 4 months is 42 days. Many areas have also adopted the policy of rewarding employees who marry late and have children late, and the holiday has been extended to 180 days. (2) Maternity allowance. National laws and regulations provide living expenses for working women during their separation due to childbirth. Some countries also call it maternity cash subsidy. There are two payment methods and payment standards of maternity allowance in China: first, in areas where maternity insurance is implemented as a whole, the payment standard is paid according to the average monthly salary of employees in the previous year, and the period is not less than 90 days; Second, in areas where maternity insurance does not implement social co-ordination, maternity allowance is paid by enterprises or units. The standard is the basic salary and price subsidy for female employees before childbirth, and the term is generally 90 days. In some areas, professional women who marry late and have children late are encouraged to extend the period of maternity allowance appropriately. Other regions give one-time subsidies to the spouses of male employees who participate in maternity insurance. (3) medical services. Reproductive medical service refers to the medical care and necessary hospitalization provided by hospitals, licensed doctors or qualified midwives to the wives of professional women and male workers during pregnancy, childbirth and postpartum. Maternity medical service is one of the benefits of maternity insurance. Maternity insurance in different countries provides different medical services for pregnant women, and the corresponding service scope is generally formulated according to the economic strength of the country and the affordability of social insurance funds. Most countries provide medical care and treatment for female workers from pregnancy to postpartum. China's maternity insurance medical services mainly include examination, delivery, surgery, hospitalization, medicine and family planning surgery expenses.