When your newborn requires a hospital stay, Newborn Child Cover is designed to handle the comprehensive and often complex costs associated with their care. Our focus is on ensuring they receive the best possible start in life, with financial protection for your family from day one.

Here is a detailed look at what is typically included for your newborn:

Hospital Room and Board: Coverage for your baby’s stay in a specialized neonatal nursery, Neonatal Intensive Care Unit (NICU), or a standard pediatric room, including continuous monitoring and care.

Surgical Procedures: Fees for surgeries specific to infants, including the operating room, pediatric surgeons, anesthesiologists with pediatric expertise, and all necessary support staff.

Neonatal Intensive Care (NICU): Comprehensive coverage for the high-cost, specialized care required for premature birth, low birth weight, or other critical conditions, including incubator use and advanced life support.

Pediatric Specialist Fees: Charges for consultations and ongoing care from pediatricians, neonatologists, pediatric cardiologists, neurologists, and other specialists involved in your baby’s treatment.

Prescription Medications & Infant Formula: All medically necessary drugs, intravenous fluids, and specialized infant formula administered during the inpatient stay.

Diagnostic Tests and Lab Work: Includes all necessary analyses for newborns, such as blood tests, metabolic screening, bilirubin tests, X-rays, echocardiograms, and cranial ultrasounds.

Medical Equipment and Supplies: The cost of using specialized equipment such as IV drips, incubators, warmers, tiny oxygen masks, and monitoring devices designed for infants.

Therapeutic Services: Inpatient physical, occupational, or speech therapy tailored to the unique developmental needs of a newborn, if medically necessary.

Congenital Condition Treatment: Coverage for the diagnosis and treatment of birth defects or congenital conditions, as per the policy terms, ensuring your child has access to essential early intervention.

While the specific benefits and limits will vary depending on the plan you select, all of our Newborn Child Cover policies arranged through Navigator Insurance Brokers are designed to provide a robust financial shield. This allows you to focus on what matters most—your child’s health and recovery—with the peace of mind that comes from comprehensive financial backing.