Newborn hospitalized for high jaundice at 6 days - should I buy insurance?

Patient's question:

A newborn was hospitalized yesterday due to high jaundice on the sixth day after birth. I want to know if the baby needs to buy insurance or if they can directly use the mother's insurance. If the baby needs to buy insurance, should it be medical insurance or rural insurance? Which one offers higher coverage?

Doctor's answer:

There are many reasons for newborn jaundice, which can be divided into physiological and pathological types. Physiological jaundice typically appears 2-3 days after birth and gradually fades away within 7-10 days. In contrast, pathological jaundice usually appears earlier, often within 24 hours after birth, and takes longer to fade, sometimes lasting for more than a month. Pathological jaundice is more commonly associated with:
① Neonatal hemolytic disease. Common causes include glucose-6-phosphate dehydrogenase deficiency, spherocytosis,
② Glucuronyl transferase activity defects, which are transient in premature infants due to enzyme activity abnormalities and congenital in Crigler-Najjar syndrome due to enzyme deficiency, as well as in cases of kernicterus and acidosis.
③ Breast milk jaundice, which generally occurs in the first week after birth and may be related to insufficient caloric intake.
④ Delayed passage of meconium.

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