When the insured gives birth, coverage for eligible newly born children consists of coverage of injury or sickness including

Delivery expenses are typically associated with the mother's medical costs during childbirth, including hospital fees and physician charges. However, these costs are generally covered under the mother's maternity benefits and not under the newborn's coverage for injury or sickness. Thus, delivery expenses do not fall under the scope of coverage for newly born children.

The mother's lost wages pertain to income that may be lost due to her time off work for childbirth. This is not a coverage item for the newborn; rather, it is a concern related to the mother's employment and income protection. Insurance policies do not cover the lost wages of the mother as part of the newborn's coverage for injury or sickness.

While the mother's hospitalization may be essential during childbirth, this cost is separate from the coverage extended to the newborn. The insurance policy typically addresses the mother's hospitalization under her own health care benefits, rather than including it in the benefits that apply to the newborn for injury or sickness coverage.