PSI Ohio Insurance Practice Exam

When does a health insurance policy that covers dependent children begin coverage for newborns?

1. At the time of enrollment

2. At the commencement of the next policy term

3. At the moment of birth

4. At the age of 30 days

The correct answer is: At the moment of birth

A health insurance policy covering dependent children typically begins coverage for newborns at the moment of birth. This means that as soon as the child is born, they are automatically included in the family's health insurance plan without any waiting period or additional enrollment requirements. This is an important feature of many insurance policies as it ensures that newborns have immediate access to necessary medical care right from the moment they enter the world. This provision aligns with the need for immediate healthcare coverage for newborns, as they may require medical attention shortly after birth for various assessments and treatments. Additionally, policies that reflect this immediate coverage are designed to provide peace of mind for parents, knowing that their child is protected from the outset. The other options reflect scenarios that do not typically apply to the coverage of newborns under health insurance policies. For example, enrollment times or policy term commencement would be scenarios relevant to adding an existing dependent, rather than covering newborns at birth.