You can apply to add newborn babies (who are born to, or adopted by, the policyholder or the policyholder’s partner) to the policy from their date of birth and they will be covered until your next renewal at no extra premium.
This can normally be done without filling out details of their medical history provided you add them within three months of their date of birth.
In addition to this, as long as the mother has been covered for at least ten months before the birth and you add your child within these first three months, then we will not apply the exclusion for medical conditions they had prior to joining (as detailed in section 5 ‘Existing medical conditions’) or require the child to be medically underwritten.