Maternity leave is 98 days, and the maternity allowance is paid by the maternity insurance fund at the employer's average monthly wage for the previous year

In plain words

You are entitled to at least 98 days of maternity leave, and you can take 15 days of it before the birth. A difficult birth adds 15 days. Each additional baby also adds 15 days. The money paid during this time is called the maternity allowance (生育津贴) and comes from the maternity insurance fund. If your employer did not enroll you in maternity insurance, the employer pays it.