How long do families have to notify their insurer of a newborn child for continued coverage?

Families typically have 31 days to notify their insurer of a newborn child in order to ensure continued coverage under their health or life insurance policy. This time frame is established to provide parents with a reasonable period to complete necessary administrative tasks following the birth of their child.

Notifying the insurance company within this 31-day window allows the newborn to be added to the existing family policy without a waiting period or the imposition of exclusions for pre-existing conditions, thus ensuring that the child receives coverage from the outset. It’s important for policyholders to take prompt action during this critical period to avoid any gaps in health care coverage for their newborn.