Newborn babies are covered from day one of their birth with no exclusions being imposed by the medical aid. Most schemes do not charge any additional premium for the first month of the baby’s life. However, this is dependent on the parent who is the main member, informing the scheme of the child’s birth and clearly indicating their wish to have the child covered. The newborn has to be the main member’s biological child or there has to be legal documentation confirming that the baby in question has been adopted by the medical aid member.
Most private hospitals will notify the mother’s medical aid of the child’s birth if the baby is born within their facility. However, the onus lies on the parent to confirm this with the medical aid, complete the necessary documentation and submit it to the medical aid within 30 days of the birth of the child. Failure to do so will mean that your baby is not covered and the costs incurred in the first month of life will not be paid for by the medical aid. A hospital cannot be held liable for failing to inform the medical aid of the child’s birth as this is not within their duty.