Question
My friend’s child was hospitalized a couple of days ago due to jaundice. I heard her say that the condition is quite serious, and she wants to get insurance for the child but isn’t sure if it’s possible. So, she asked me to inquire, can a newborn who has been hospitalized for jaundice get insurance?
Answer
Newborn jaundice is categorized into three types: pathological jaundice, physiological jaundice, and breastmilk jaundice. Only pathological jaundice can lead to bilirubin encephalopathy, which can cause irreversible brain damage. Pathological jaundice requires blue light therapy and symptomatic medication treatment, while physiological jaundice and breastmilk jaundice usually do not require medication. For infants with hospitalization due to jaundice, most cases are considered pathological jaundice. If you want to purchase insurance for your child, I recommend consulting with the insurance company to understand their policies on hospitalization for newborns with jaundice. They can provide a more accurate answer and offer suitable insurance plans for you.