Do Newborns Need to Purchase Insurance?

Question

My newborn was admitted to the hospital last night due to high jaundice levels, is it necessary to purchase insurance? Or can we use the mother’s insurance directly? If we need to purchase insurance for the newborn, should we buy medical insurance or agricultural insurance?

Answer

Jaundice in newborns often has multiple causes, including physiological jaundice and pathological jaundice. Physiological jaundice usually appears 2 to 3 days after birth and gradually subsides within 7 to 10 days. Pathological jaundice, on the other hand, may appear within 24 hours of birth and can persist for longer, sometimes up to a month. Common causes of pathological jaundice include neonatal hemolysis, glucuronate transferase deficiency, breast milk jaundice, and delayed stool passage. Depending on the situation, it may be necessary to consult a professional insurance advisor to determine whether additional insurance is needed for the newborn.