When a family has a baby, everybody becomes busy in welcoming the
newborn into the family and celebrating the occasion. Hardly any of us would
give a thought about buying a health insurance cover for the child. But when a
child is born, unfortunately, at least a few of them will suffer from
complications that might involve extensive hospitalization, which can be very
expensive.
In such cases apart from the trauma of having to deal with the
child's ill health, the family will also be worried about the hospital bills.
This is where farsighted people like my cousin should arm themselves to deal
with the financial implications of such an eventuality.
Those all are working and
have taken a health insurance policy (From employer) they can avail the
facility very easily and quickly.
What to do?
Very first, Intimate your (spouse)’s pregnancy to
your company HR / Admin Department who is dealing with employees Health
Insurance before admitting into the hospital for delivery. Same time sent a
intimation mail to the insurance company also from the safer side.
The moment you
were blessed with the baby, intimate the same to your office and ask them to
issue a health card for your baby. The Insurance Company will issue the health
card for your baby by putting the name as “Baby
of YourName”. Check the DOB and Sex of the baby in the health card
properly. You can include your baby’s name later once the naming ceremony is done;
else if you have planned some name before the birth then you can ask your
employer to issue the health card on your baby’s name.
Then show the
baby’s health card in the hospital for further medication.
Keep the insurance company informed. If there are any
complications during your pregnancy and the doctor suspects a premature birth
may occur, tell your insurance provider. Insurance providers are required to
cover a newborn for the first 30 to 31 days of life under the parent's policy.
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