{"id":13789,"date":"2024-04-01T19:47:09","date_gmt":"2024-04-01T11:47:09","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=13789"},"modified":"2024-07-25T05:16:33","modified_gmt":"2024-07-24T21:16:33","slug":"nicu-coverage-for-expat-parents-and-ill-infants","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/nicu-coverage-for-expat-parents-and-ill-infants.html","title":{"rendered":"NICU Coverage for Expats: Ensuring Care for Premature or Ill Infants in Foreign Hospitals"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The NICU, short for <\/span><b>Neonatal Intensive Care Unit<\/b><span style=\"font-weight: 400;\">, is a hospital ward or department specializing in providing intensive care to ill or premature newborns. Fortunately, maternity insurance can cover NICU stays to safeguard parents from potentially overwhelming medical bills.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you an expat giving birth overseas and looking to secure <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/maternity\/\"><span style=\"font-weight: 400;\">maternity insurance<\/span><\/a><span style=\"font-weight: 400;\">? Are you wanting coverage for your newborn in case they are sent to the NICU for intensive care? Today, we will be going over NICU coverage for expats to ensure your newborns are equally as safe as they are healthy.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Newborn Care Coverage for Expats<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-13791 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/close-up-of-infant-on-blue-blanket.jpg\" alt=\"Image of Close-up Of Infant On Blue Blanket with text overlay of &quot;Newborn Care Coverage for Expats&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/close-up-of-infant-on-blue-blanket.jpg 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/close-up-of-infant-on-blue-blanket-300x169.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/close-up-of-infant-on-blue-blanket-600x337.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/close-up-of-infant-on-blue-blanket-768x432.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/close-up-of-infant-on-blue-blanket-150x84.jpg 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Depending on the country you\u2019re living in as an expat, newborn care under maternity insurance could offer additional services and benefits such as <\/span><b>NICU hospitalization<\/b><span style=\"font-weight: 400;\">, doctor visits and vaccinations, health checkups, and lab work.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With the added benefit of NICU hospitalization, expat parents can ensure their newborn baby\u2019s safety should the need arise for their hospitalization due to illnesses or other complications upon birth.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because you\u2019re living abroad as an expat, make sure to familiarize yourself with what newborn care under your selected maternity insurance policy covers.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-36' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Maternity_2.jpg\" alt=\"Blog Banner Maternity 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">NICU Coverage for Expats\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Most maternity insurance plans should offer coverage for NICU and congenital conditions treatment along with some of the corresponding medication or services. Please make sure, however, to check with your specific health insurance provider for exact details on NICU coverage and limitations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because medical bills for newborn complications and NICU stays can be expensive, seeking comprehensive coverage is strongly recommended for parents.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is the NICU?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">NICU is short for <\/span><b>Neonatal Intensive Care Unit<\/b><span style=\"font-weight: 400;\"> and is a hospital ward or department complete with specialist doctors and nurses as well as equipment specializing in around-the-clock newborn care in case of severe illnesses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Depending on the baby\u2019s health condition and gestational age (the number of weeks in which a baby has been in the mother\u2019s womb), the baby could stay for days, weeks, or possibly even longer.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For new parents, expats and locals alike, learning that their newborn has to be sent to the NICU will undoubtedly be a huge topic of concern. Parents will need time, appropriate information, and support from friends and family to cope with this difficult time.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Why Might My Baby be Admitted to the NICU?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">From reasons as common as prematurity to infections or respiratory issues, there are multiple possible reasons why your newborn baby may need to be admitted to the NICU. Some cases may be curable in no time, while some cases may require longer, more comprehensive care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are some common reasons why your baby may be admitted to the NICU.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Prematurity<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The most common reason for one\u2019s baby being admitted to the NICU is because the baby was born earlier (below 37 completed weeks). This is because premature babies aren\u2019t quite as physically developed as full-term babies, and may not be able to transition to the outside environment as well.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Infections<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Since premature infants aren\u2019t quite as physically developed as full-term infants, infections are also more common in premature infants. The earlier the delivery, the greater the likelihood of infection.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is because the immune system is not yet fully developed to fight off potential infections. However, antibiotics could be used for a certain period of time based on signs of infection and laboratory values.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Respiratory Distress Syndrome (RDS)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Due to immature lungs, RDS is the most common respiratory complication in newborns. In mild cases, machines can feed oxygen to the baby through a mask to help them breathe. However, more severe cases will require a breathing tube as well as placing the baby into a ventilator.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-37' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Maternity_3.jpg\" alt=\"Blog Banner Maternity 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Cost of NICU Treatment<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-13792 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sleeping-newborn-photo.jpg\" alt=\"Image of a Sleeping Newborn Photo with text overlay of &quot;Cost of NICU Treatment&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sleeping-newborn-photo.jpg 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sleeping-newborn-photo-300x169.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sleeping-newborn-photo-600x337.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sleeping-newborn-photo-768x432.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sleeping-newborn-photo-150x84.jpg 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The exact cost of your NICU treatment will vary depending on factors such as the duration of your baby\u2019s stay, the amount of care required, the geographical location of the hospital in which your newborn is going through NICU treatment, and whether you seek treatment at public or private hospitals.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">The Duration of Your Baby\u2019s Stay<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The first and most prominent factor that will contribute to the cost of NICU treatment is the duration of the baby\u2019s stay in the hospital\u2019s ward or department. Once again, the baby may stay for a few days, weeks, or even longer depending on their gestational age and health condition.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Should the baby stay for considerably longer, the cost of NICU treatment will be considerably higher as well.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Level of Required Care<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While we\u2019re on the subject of the baby\u2019s health condition contributing to their NICU stay length and ultimately the cost of their NICU treatment, another significant factor that can contribute to the cost of NICU treatment is the level of care and treatment required.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Babies with more severe conditions such as respiratory or heart complications will require more intricate procedures, specialized equipment, and possibly surgeries. This, of course, will contribute to higher NICU treatment fees.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">The Hospital\u2019s Geographical Location<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The cost of NICU treatment can also vary depending on the geographical location of the hospital in which your baby is undergoing the treatment. For instance, urban hospitals may have higher NICU treatment costs while suburban or rural hospitals may be more affordable.<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-35' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Maternity_1.jpg\" alt=\"Blog Banner Maternity 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Public or Private Hospitals<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Speaking of hospitals, another factor that can contribute to NICU treatment costs is whether you opt for public or private hospitals.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Public hospitals may be affordable but as a trade-off, the quality of treatment might not be as comprehensive as you would like. Meanwhile, private hospitals may be significantly more expensive but the more comprehensive NICU treatment and free specialist selection for your baby make up for it.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Is the NICU the same as the ICU?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Both NICU and ICU are <\/span><b>both <\/b><span style=\"font-weight: 400;\">designed for critically ill patients. However, what sets the NICU apart from the ICU is that the NICU is specifically aimed at newborns, while the ICU is aimed at adults.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can babies in the NICU be held?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">For some incredibly premature infants, touching can be stressful. As such, doctors may recommend that you try to limit as much physical contact as possible while still spending time with your baby. Check with the doctors or nurses to see how much or what type of physical contact would be suitable.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Where can the parents stay when the baby is in the NICU?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you don\u2019t live close to the NICU, you can ask the staff about free or affordable hotels within the area. On the other hand, some NICUs also have rooms for parents to sleep in, ensuring they get to spend as much time with their newborn in the NICU as possible.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Much like congenital conditions, any newborn being admitted to a NICU in a hospital is a topic of much concern for parents. Some NICU hospitalizations due to mild cases may not take too long, while hospitalizations for more severe cases may take longer.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Moreover, prices can vary depending on the severity of the baby\u2019s condition. With the added benefit of NICU hospitalization as part of newborn care coverage under maternity insurance, however, parents can ensure the safety of their newborn baby should the need for NICU hospitalization arise.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a leading international health insurance provider, Pacific Prime has over 20 years of experience in matching both expats and locals to the health insurance plan that matches both their budget and specific healthcare needs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re an expat <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">living overseas<\/span><\/a><span style=\"font-weight: 400;\"> or you\u2019re a local citizen yourself, Pacific Prime and our team of specialists will be more than happy to help you out. Should you have any further questions, please don\u2019t hesitate to <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">get in touch with us<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Enjoyed this article? Check out these articles below!<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-maternity-coverage-expats.html\"><span style=\"font-weight: 400;\">Pre-Existing Conditions: Maternity Coverage Options for Expats\u00a0<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/citizenship-birth-certificates-for-expat-families.html\"><span style=\"font-weight: 400;\">Securing Citizenship and Birth Certificates for Expat Families<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The NICU, short for Neonatal Intensive Care Unit, is a hospital ward or department specializing in providing intensive care to ill or premature newborns. Fortunately, maternity insurance can cover NICU stays to safeguard parents from potentially overwhelming medical bills. Are you an expat giving birth overseas and looking to secure maternity insurance? Are you wanting &#8230;<\/p>\n","protected":false},"author":54,"featured_media":13790,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-13789","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>NICU Coverage for Expats: Ensuring Care for Ill Infants<\/title>\n<meta name=\"description\" content=\"Learn about NICU hospitalization for premature or ill infants, its cost, and maternity insurance coverage in this article by Pacific Prime.\u00a0\" \/>\n<meta name=\"robots\" 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