Optimize the maternity insurance policy in Kunming.

Recently, Kunming City has increased the benefits of maternity insurance through the "one reduction, two increases, three adjustments" policy. It is reported that the "one reduction" is to adjust the eligibility for maternity insurance benefits from continuous payment for 12 months to continuous payment for 6 months or more, reducing the threshold for insured persons to receive maternity insurance benefits. In terms of the "two increases", the bundled settlement standard for cesarean section has been raised from 4000 yuan to 5000 yuan, and benefits for prenatal check-ups and nutrition supplements have been increased. For patients with infertility, a maximum of 3000 yuan in medical expense subsidies has been provided for artificial insemination or IVF procedures in medical institutions with approved qualifications for assisted reproductive technologies by the Ministry of Health, effectively reducing the cost of family reproduction. Kunming City has also adjusted policies in three areas related to maternity benefits. The method of disbursing maternity benefits has been adjusted to introduce a "apply and enjoy" service, changing the distribution of maternity benefits from being handled by the company to being disbursed directly to the insured person, ensuring that maternity benefits are directly allocated to the individual.