Final answer:
The first payment for an additional premium to cover a newborn under an accident and health policy is usually due within 31 days after birth. This ensures the child has continuous insurance coverage from birth. The direct answer is b) 31 .
Step-by-step explanation:
The direct answer is b) 31 days after the birth of the newborn.
The insurance policy provision commonly referred to as the "newborn coverage provision", mandates that additional premiums for a newborn's coverage under an accident and health policy typically need to be made within 31 days following the child's birth. This period allows parents some time to adjust to the arrival of their child before dealing with the financial aspect of insurance coverage. Moreover, this guarantees that the policy provides uninterrupted coverage for the newborn from the moment of birth, which is critical for addressing any immediate medical needs or concerns that could arise in the newborn's early days of life. It's crucial for policyholders to be acquainted with their insurance policy terms to ensure they meet these deadlines and secure the necessary coverage for their newborn.
When an accident and health policy requires an additional premium to provide coverage for a newborn, it is important for the policyholder to make the payment promptly to ensure that the newborn is covered from the start. Waiting beyond the specified time frame may result in a lapse of coverage for the newborn.