Waiting Periods for a newborn baby are applied
according to the Principal Member.
This means that, if at the time your baby is added to your cover, the Principal Member has served all Waiting Periods that apply to your current level of cover, then no additional waiting periods will apply to your baby. Where the Principal Member has not served the waiting periods in full at the time the baby is born, any remaining waiting periods will apply to both you and your baby.
If your baby is added more than 12 months after their date of birth, then they will need to have served all applicable Waiting Periods.