oh dear what Insurance company are you with?
We are with MBF and we were covered for both babies.On my form when I booked in to the private hospital it was stated that we would have to pay an excess if the girls were to be in special care.Well the girls were in special care most of our hospital stay..I kept on waiting to get a bill but one never came..
I would keep "harrassing" your insurance company..as I don't think that it's really fair...