Policies with full medical underwriting
Please send an email to email@example.com within four weeks from birth and attach the birth certificate. With the exception of multiple birth babies, we will accept the baby without medical underwriting if the birth parent or intended parent (in the case of surrogacy) has been insured with us for a minimum of eight continuous months. Cover will start at birth.
Notification of the birth after four weeks will result in newborn children being underwritten and cover will only commence from the date of acceptance.
Multiple birth babies will be underwritten and if accepted, cover will start from the date of acceptance.
Policies with moratorium
Simply contact us at firstname.lastname@example.org and request the addition of a family member to your policy. There is no need to complete an application form and we’ll cover the new dependant from the date on which you notify us or from a later date that you may request – a new moratorium will apply for that dependant.
However, if the newborn is less than four weeks old, but we have not covered either of their parents for a continuous period of at least eight continuous months, you will need to complete the relevant application form. We will review the application form, confirm the date we agree to add the newborn and a new moratorium will apply for him/her.
Non-underwritten policies (large group policies)
Newborn infants (including multiple birth babies, babies born by surrogacy, adopted and fostered children) will be accepted for cover from birth, provided that we are notified within four weeks of the date of birth. To have a newborn added to the policy, you must ask your company to submit a request in writing, including a copy of the birth certificate, to its usual contact person for membership changes. Please note that if you don’t notify your company within this four weeks period, newborn children will be accepted for cover from the date of that notification.
If you are in doubt about what type of underwriting terms apply to you policy, check this article.