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What happens if my newborn baby needs hospital treatment?
Generally, a healthy newborn isn’t separately admitted to hospital as an inpatient (this is because the baby comes under the mother’s admission). Because the baby isn’t an inpatient, it’s important to be aware that any treatment, tests or doctor’s visits (e.g. a pre-release check-up by a paediatrician) are outpatient services, for which Medibank doesn’t pay any benefits (except under some Visitors Covers). This means you’ll only be eligible to claim a Medicare rebate for those services and may have out-of-pocket expenses.
In some cases, a newborn may need to be admitted to hospital in their own right (for example, where they require treatment in a special care nursery or an intensive care unit). This type of admission can be very expensive.
To ensure your newborn will be entitled to receive benefits in the event they need these services, we strongly advise you to add them to your membership from their date of birth. If a newborn isn’t added within Medibank’s required timeframes, you’ll be responsible for any costs associated with their admission.
You should also be aware that if you’re expecting a multiple birth (e.g. twins) your second or subsequent babies will always be separately admitted to hospital as inpatients. This means that an accommodation charge will be raised by the hospital, so it’s important to make sure they’re added to your membership.
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