When does a family health policy's coverage for a newborn child begin?

A family health policy typically provides coverage for a newborn child starting at the moment of birth. This approach ensures that the newborn is immediately covered for any medical needs that may arise during the early days of life, which are often critical.

Most insurance policies recognize the unique circumstances surrounding childbirth and the vulnerable health status of newborns, making it essential for coverage to be in place right from the start. This continuous coverage is also designed to avoid any gaps in protection, which could result in significant out-of-pocket expenses for parents if additional medical care is needed shortly after birth.

The other options do not align with standard insurance practices regarding newborn coverage. Coverage beginning after a specified time, such as after the first month of the policy or on the child's first birthday, would leave newborns unprotected during critical early healthcare moments. Moreover, needing to apply for coverage after a child's birth would not align with the common provisions that automatically extend coverage to newborns in family health policies.