Florida Life and Health Insurance License Practice Test

When is a Group Health policy required to provide coverage for a newborn child?

1. Within 30 days of birth

2. At the moment of birth

3. After the first premium is paid

4. Only after a medical exam

The correct answer is: At the moment of birth

A Group Health policy is required to provide coverage for a newborn child at the moment of birth because it is standard practice for insurance plans to cover newborn children starting from their date of birth. Option A, Within 30 days of birth, is not correct as it is not necessary to wait 30 days before coverage begins. Option C, After the first premium is paid, is incorrect because the policy is typically effective immediately upon payment. Lastly, Option D, Only after a medical exam, is also incorrect as newborn children are not required to undergo a medical exam before being covered by the policy.