Final answer:
Individual and group health policies must provide coverage for newborn children of a family member starting from the moment of birth for at least 30 days. This coverage is crucial for newborns who are adjusting to the external world during a vulnerable period.
Step-by-step explanation:
The question relates to health insurance coverage for newborn children under individual and group health policies. The coverage for a newborn child of a family member under such policies must start from the moment of birth. This immediate coverage is essential because after birth, the neonate (a newborn baby up to the thirtieth day after birth) undergoes significant physiological adjustments, transitioning from the protected environment of the womb to the world outside. Therefore, ensuring health insurance coverage is critical for addressing any medical issues that might arise during this vulnerable period for the newborn. Despite the other information provided about fetal development, newborn adjustments, and family leave policies, the answer to the student's question is 30 days. This means that individual and group health policies must provide coverage for a newborn child of a family member from the moment of birth for at least 30 days.