If the company fails to pay maternity insurance, the child can be reimbursed by medical insurance, but only the hospitalization expenses can be reimbursed.

reimbursement ratio of hospitalization medical insurance:

1. Medical expenses incurred in tertiary hospitals:

1. For the part with the minimum threshold of 3, yuan, the overall fund will pay 85% and the employees will pay 15%;

2. For the part exceeding 3, yuan to 4, yuan, the overall fund will pay 9% and the employees will pay 1%;

3. For the part exceeding 4, yuan, the overall fund will pay 95% and the employees will pay 5%.

second, medical expenses incurred in secondary hospitals;

1. 87% will be paid by the overall fund and 13% by the employees for the part with the minimum payment of 3, yuan;

2. For the part exceeding 3, yuan to 4, yuan, the overall fund will pay 92% and the employees will pay 8%;

3. For the part exceeding 4, yuan, the overall fund will pay 97% and the employees will pay 3%.

III. Medical expenses incurred in first-class hospitals and family beds:

1. For the part with the minimum threshold of 3, yuan, the overall fund will pay 9% and the employees will pay 1%;

2. For the part exceeding 3, yuan to 4, yuan, the overall fund will pay 95% and the employees will pay 5%;

3. For the part exceeding 4, yuan, the overall fund will pay 97% and the employees will pay 3%.

4. The personal payment ratio of retirees is 6% of that of employees.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.