Question
My newborn was hospitalized last night due to high jaundice at 6 days old. I’m wondering, does my baby need to have their own insurance? Or can we just use my insurance? If the baby needs to have their own insurance, should it be medical insurance or agricultural insurance, which one is better?
Answer
There are many causes of newborn jaundice, which can be categorized into physiological jaundice and pathological jaundice. Physiological jaundice usually appears 2-3 days after birth and gradually fades away between 7-10 days. Pathological jaundice, however, appears earlier, often within 24 hours after birth, and may take longer to fade, sometimes up to a month later. Pathological jaundice is commonly seen in conditions such as neonatal hemolytic disease, insufficient activity of glucuronyltransferase, breastfeeding jaundice, and delayed excretion of meconium. Regarding insurance purchase, it is recommended to consult with a professional insurance advisor to select an appropriate insurance plan based on the baby’s actual situation and family needs. Generally, a baby’s insurance can serve as a supplement to the family’s insurance, and consideration can also be given to purchasing children’s medical insurance and social medical insurance. The specific types of insurance and their cost-effectiveness should be determined according to local policies and market conditions.