Medical insurance problem. Help!

Today’s blog is a plea to any Germans/expats living in Germany who might be able to help with a medical insurance issue we are having.

Our daughter was born on January 20^th and a few days after she was born, she had to spend a few days in the Uni Klinik. We received and paid the bill totaling almost 3000 Euros. Obviously both my husband and I are medically insured and therefore by default our daughter is/should be for this time. Yet currently all our insurance companies are refusing to pay. Who is responsible and who should foot the bill?

I am insured with a “gesetzliche Krankenversicherung” (law-enforced national  health insurance),  and my husband is privately insured. In Germany, if one of the parents is privately insured, any children also have to be. We therefore took out a private insurance for our daughter with a private insurance company where I have a so-called “Zusatzversicherung” (private supplementary insurance).I understood as long as you did this within two months of the child being born, your child is covered at all times from birth. The insurance company, however, would only insure her from February 1^st, thus conventiently missing those crucial days in between and a bill of thousands of Euros! We could, of course, have insured her automatically with my husband, but he has had a lot of problems with his insurance company, so we chose not to.

We sent the bill to all three insurance companies, but so far all three are refusing to pay.

If anyone has any experience with this or any idea what to do next, please get in touch!