Legal analysis: each province and city has different provisions on the reimbursement ratio of newborn medical insurance. At present, there is no uniform standard in China, and the reimbursement ratio of different levels of hospitals is different. If the baby is sick and hospitalized, he can be reimbursed according to a certain proportion after handling the medical insurance card. The reimbursement rates of first-,second-and third-level hospitals are 80%, 70% and 60% respectively, and the maximum payment limit of the overall fund is 50,000 yuan, and the maximum payment limit of medical insurance for serious illness reaches 6,543,800 yuan.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic medical insurance for employees, and both employers and employees shall pay the basic medical insurance premium according to the provisions of the state.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.