Newborn Coverage (FL)

Any individual or group policy covering family members must cover a newborn of the insured from the moment of birth — and a newborn of a COVERED FAMILY MEMBER (e.g., the covered daughter's baby) for eighteen (18) months. The policy may require birth notice within a stated period of not less than thirty (30) days: timely notice → no extra premium for the notice period; no timely notice → the insurer may charge premium from birth — and as long as notice is given within sixty (60) days of the birth, the insurer may not deny the child coverage for the untimely notice (F.S. 627.6575(4)). Does not apply to disability income, hospital indemnity, or the mother's standard maternity provisions.

Baby is covered the second it's born. Forget to call the insurer? You may owe back premium — but the baby stays covered.