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.

However, we will require details of the baby’s medical history if the baby has been adopted or was born after taking any prescription or non-prescription drug or other treatment to increase fertility, or as the result of any method of assisted conception such as IVF. In such circumstances we reserve the right to apply particular restrictions to the cover we will offer, and we will notify you of those terms as soon as reasonably possible.

This may limit your baby’s cover for existing medical conditions. This would mean that your baby will not be covered for treatment carried out for medical conditions which existed prior to joining, such as treatment in a Special Care Baby Unit and you will be liable for these costs.