I do agree that the HIP isn't right here, but, having had DD at 27 weeks in a hospital 2 hours drive from home due to overcrowding, we were about £1000 out of pocket in the first 3 weeks of her life with transport costs and hotel bills. Luckily she was then transferred closer to home and so costs reduced, but it was still an expense we couldn't have planned for.
I agree though - I can't help but feel that with their income, adding a fourth child might not have been the best move!