Common use of NEWBORN COVERAGE Clause in Contracts

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of thirty thousand dollars (US$30,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, an Individual Health Insurance Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition of children born before the parent’s policy has been in effect for at least ten (10) consecutive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Individual Health Insurance Application, birth certificate, and premium payment are required. The addition of adopted children, children born as a result of a fertility treat- ment, and children born by a surrogate mother are subject to underwriting. An Individual Health Insurance Application and a copy of the birth certificate must be submitted, which will be subject to the standard underwriting procedures. (c) Well baby care is only covered as stated in 4.1 (b).

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of thirty fifteen thousand dollars (US$30,00015,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, an Individual Health Insurance Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition of children born before the parent’s policy has been in effect for at least ten (10) consecutive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Individual Health Insurance Application, birth certificate, and premium payment are required. The addition of adopted children, children born as a result of a fertility treat- ment, and children born by a surrogate mother are subject to underwriting. An Individual Health Insurance Application and a copy of the birth certificate must be submittedsubmitted in these cases, which will be subject to the standard underwriting procedures. (c) Well baby care is only covered as stated in 4.1 (b).

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of thirty ten thousand dollars (US$30,00010,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, an Individual Health Insurance Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition of children born before the parent’s policy has been in effect for at least ten (10) consecutive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Individual Health Insurance Application, birth certificate, and premium payment are required. The addition of adopted children, children born as a result of a fertility treat- ment, and children born by a surrogate mother are subject to underwriting. An Individual Health Insurance Application and a copy of the birth certificate must be submitted, which will be subject to the standard underwriting procedures. (c) Well baby care is only covered as stated in 4.1 (b).

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of thirty fifty thousand dollars (US$30,00050,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, an Individual Health Insurance a Changes and Additions Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition of children born before the parent’s policy has been in effect for at least ten (10) consecutive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Individual Health Insurance Changes and Additions Application, birth certificate, and premium payment are required. The addition of adopted children, children born as a result of a fertility treat- menttreatment, and children born by a surrogate mother are subject to underwritingunder- writing. An Individual Health Insurance A Changes and Additions Application and a copy of the birth certificate must be submittedsubmitted in these cases, which will be subject to the standard underwriting procedures. (c) Well baby care is only covered as stated in 4.1 limited to a maximum benefit of five (b).5) visits within six (6) months of the child’s delivery. 8 | TERMS AND CONDITIONS

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at of birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of thirty thousand dollars (US$30,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, an Individual Health Insurance Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition of children born before the parent’s policy has been in effect for at least ten (10) consecutive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Individual Health Insurance Application, birth certificate, and premium payment are required. The addition of adopted children, children born as a result of a fertility treat- ment, and children born by a surrogate mother are subject to underwriting. An Individual Health Insurance Application and a copy of the birth certificate must be submitted, which will be subject to the standard underwriting procedures. (c) Well baby care is only covered as stated in 4.1 (b).

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of thirty thousand dollars (US$30,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, an Individual Health Insurance a Changes and Additions Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition of children babies born before the parent’s policy has been in effect for at least ten (10) consecutive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Individual Health Insurance Changes and Additions Application, birth certificate, and premium payment are required. The addition of adopted children, children born as a result of a fertility treat- menttreatment, and children born by a surrogate mother are subject to underwriting. An Individual Health Insurance A Changes and Additions Application and a copy of the birth certificate must be submittedsubmitted in these cases, which will be subject to the standard underwriting procedures. (c) Well baby care is only covered as stated in 4.1 (b).

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of thirty thousand dollars (US$30,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, an Individual Health Insurance a Changes and Additions Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition of children babies born before the parent’s policy has been in effect for at least ten (10) consecutive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Individual Health Insurance Changes and Additions Application, birth certificate, and premium payment are required. The addition of adopted children, children born as a result of a fertility treat- menttreatment, and children born by a surrogate mother are subject to underwritingunder- writing. An Individual Health Insurance A Changes and Additions Application and a copy of the birth certificate must be submittedsubmitted in these cases, which will be subject to the standard underwriting procedures. (c) Well baby care is only covered as stated in 4.1 (b).

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of thirty fifty thousand dollars (US$30,00050,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, an Individual Health Insurance a Changes and Additions Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition of children born before the parent’s policy has been in effect for at least ten (10) consecutive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Individual Health Insurance Changes and Additions Application, birth certificate, and premium payment are required. The addition of adopted children, children born as a result of a fertility treat- ment, and children born by a surrogate mother are subject to underwriting. An Individual Health Insurance Application and a copy of the birth certificate must be submitted, which will be subject to the standard underwriting procedures. (c) Well baby care is only covered as stated in 4.1 (b).

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of thirty ten thousand dollars (US$30,00010,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, an Individual Health Insurance Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition of children born before the parent’s policy has been in effect for at least ten (10) consecutive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Individual Health Insurance Application, birth certificate, and premium payment are required. The addition of adopted children, children born as a result of a fertility treat- menttreatment, and children born by a surrogate mother are subject to underwriting. An Individual Health Insurance Application and a copy of the birth certificate must be submitted, which will be subject to the standard underwriting procedures. (c) Well baby care is only covered as stated in 4.1 (b).