If you’re on a single cover and want to add your baby, you’ll need to change your cover to either a family or single parent family cover within two months of the baby’s birth.
This change to your cover will take effect from the baby’s date of birth, and any difference in premiums will be payable from that date. This will ensure the baby only has to serve any Waiting Periods not already served by the Principal Member.
If you already hold a couple, family or single parent family cover when your baby is born, all you need to do is add your baby to your cover within 12 months of the birth. As long as your membership existed at the baby's date of birth, the child will only have to serve those Waiting Periods not already served by the Principal Member.