Even though a couple may have a very good insurance plan, a newborn is not automatically covered on their family plan. In the USA, all parents have the option of putting their newborn on their family policy during the first month of life. International policies don’t always work that way. You will need to submit an application for the baby in order to get coverage. The insurance company will then send the application through underwriting and make a decision on coverage based on the baby’s health.
On most of the career plans the two youngest children under nine are covered free of charge; so if you have only two children, adding your new baby to your policy will not require any extra premium.
Also keep in mind that most international health insurance companies want you to notify them within the first three months of pregnancy. Failing to do this could cost you some benefits.
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The information and advice on this website was deemed accurate when it was originally published. GNI cannot accept any responsibility or liability for any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. For the latest up-to-date information please call us or check brochures and other published materials for latest revision/date.