Legal analysis: if the insured employees meet the requirements for sporadic reimbursement of medical expenses such as spontaneous abortion, prenatal examination and delivery, and the expenses that meet the requirements of maternity insurance are lower than the settlement standards of designated medical institutions at the same level in the city, they will be reimbursed according to the actual expenses that meet the requirements of maternity insurance; If it is higher than the settlement standard of designated medical institutions at the same level in the city, it will be reimbursed according to the settlement standard.

Legal basis: Social Insurance Law of the People's Republic of China

Article 53 Employees shall participate in maternity insurance, and the employer shall pay the maternity insurance premium according to the state regulations, but the employees shall not pay the maternity insurance premium.

Article 54 If an employer has paid maternity insurance premiums, its employees shall enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund. Maternity insurance benefits include maternity medical expenses and maternity allowance.