If your baby is healthy, he or she won’t need to be formally admitted to hospital, meaning there will be no fees raised for the baby’s stay in hospital.
However, if your baby does need special treatment they will most likely be admitted in their own right. This means fees will also be raised for your baby.
If you have taken the required steps to cover your baby under your policy, Astute Simplicity Health will cover the costs of your baby’s hospital admission (less any excess that may apply to child dependants on your policy). On most products however, the excess doesn’t apply to child dependants (please contact Astute Simplicity Health to check the level of cover on your product). If you are expecting twins (or any multiple births) at least one baby will be formally admitted to the hospital, even if they are both healthy. If your policy has no excess on child dependants, then you will not be charged an excess for the baby’s admission, however fees will be raised for their time in hospital.