How to insurance a newborn baby?

Even before you take the baby home, it is advisable to talk about “insurance” with him or her. Baby requires four things:

• food (even if breast-feeding)
• clothes and shelter
• medical care when necessary
• some entertainment!

the clothes and the shelter usually have to be made by others (whether parents or grandparents), but food is completely under your control. so you decide how much to spend on the other two categories…but dont skimp on food! you are responsible for caring for your little one from the day he or she arrives until you leave. now while most countries will provide at least health-care, you should pay extra for what would likely fall under “babies need fun!”.

Newborn baby insurance

first thing you should do is contact each parent’s workplace and work out insurance arrangements. then arrange appointments with all the doctors in your area; some charge one visit fee but many will accept continuing payments. of course, check whether they require advance payment. although “visit only” might not seem like much to go into for such an event, its generally better than something else because going to these visits can turn expensive. don’t neglect the potential cost of premature babies who require special care because they were born early. my son had frequent and extensive eye surgery to correct problems associated with premature birth, costing my husband thousands of dollars for his services alone. i think that was worth every penny of the bill (apart from, perhaps, the unexpected death of our golden retriever). remember also that many common illnesses will occur among premature babies. usually infants delivered three months prematurely develop jaundice as a result of their weight being too low for their age; this resolves itself spontaneously once the babies grow normally.

almost half of babies are hyperactive and therefore clumsy (they walk differently); check the baby’s gait when crying, you’ll find hyperactivity has caused stumbling. allergies are also much more common, even after the first year, so ask the hospital staff to recommend those antibiotics needed. even though most mums know these things about their newborns, having them recorded for future use is always useful. all kinds of things can become wrong with a new baby. discuss any concerns you may have with either family doctor, nurse midwife, paediatrician or specialist. eventually, the inevitable problems do arise, and here again list all signs your baby could be developing trouble and request medical advice. are there members of the family prone to sudden death? does your child appear happy to anyone except one relative or close friend? do all members share the same eating habits? everything is so different at six months old and yet things did not happen then. your child cannot expect to be made comfortable (both physically and mentally) during this difficult time. plans must be made now.

make copies of documents (birth certificate, immunisation records, etc.), phone numbers and addresses of family doctors or emergency contacts. parents should sign up for courses in infant CPR and emergency treatment, consider sending them abroad to ‘live’ experiences which might be recommended by their physicians and planned ahead of necessity. however comfortable life may be, it is never to risk, and visiting friends can create stressful situations. ** no matter how happy you are, even prior to delivery, anticipate what may happen during it, just to try and be prepared. in saying this, my feeling now is: don’t worry if you haven’t thought about it all beforehand – or even if you do get worried! hey: never let someone shout! that applies also in this second stage of life: never let anyone push you around! these are challenging times but they can be enjoyed too, sometimes in a way you never imagined possible.

give yourself enough time (6 weeks at least!) but if possible a holiday, away from routine, with lots of exercise, vitamin supplements (vitamin D supplement was vital during the past 6 months!), vitamin B complex shots (given in 2/3-week intervals for 10 weeks during the winter period), liver cures and bowel cleanses to bring up lochia (masses of fluid and tissue at the beginning of childbirth) – adequate rest between meals should be taken when the endorphins kick in! eat nutritious foods to increase appetite; vegetables often cause nausea, apples are said to assist a convalescent and sugar after birth tends to produce drowsiness, dizziness and/or indigestion so ginger tea is considered appropriate during the last days. as far as sexual matters are concerned…good luck with those bedroom joys! you’d be surprised how many expectant mothers practice ‘enjoyment of their spouse’ for at least the first few months of married life…not for sex, goodness, but companionship, affection, interest…

oh yes, sex as well, and this should always remain a normal part of married life, although ‘getting involved’ too quickly doesn’t seem to favour conjugal bliss very long; about 70% of births (around 4 million a year) result from conception prior to marriage, even if the ‘planned’ attempt hasn’t actually happened. i decided to put the reading behind me, concentrating instead on books written by young people, treating myself to some light afternoon entertainment.

i took along my nieces who behaved themselves admirably; being children of older sisters, they realised there are some things one simply cannot learn through primary school history texts! however, unsympathetic Aunt Helen wasn’t really expected to share the little tidbit of adult knowledge available to us, but is told by Aunt Bernadette how “now, i’m sure baby john didn’t forget me and expectantly pick me up from work to feed me!” indeed not, since aunt Helen gives rather a lot of interviews with various types of press – so one day john picked up the film when my sister phoned to say she wouldn’t see me at home, that aunt henry didn’t want to cook in front of us!