§431:10A-115  Coverage of newborn children. (a)  All policies providing family coverage, as defined in section 431:10A-103and reciprocal beneficiary family coverage, as defined in section 431:10A-601,on an expense incurred basis shall provide that the benefits applicable forchildren shall be payable for newborn infants from the moment of birth;provided that the coverage for newly born children shall be limited to thenecessary care and treatment of medically diagnosed congenital defects andbirth abnormalities.  If payment of a specific premium is required to providecoverage for a child, the policy may require that notification of birth andpayment of the required premium must be furnished the insurer within thirty-onedays after the date of birth in order to have the coverage continue beyond thethirty-one-day period.

(b)  This section shall not be construed toprovide or include coverages for routine well-baby services.  The requirementsof this section shall apply to all policies delivered or issued for delivery inthis State more than one hundred twenty days after June 12, 1974. [L 1987, c347, pt of §2; am L 1997, c 383, §6]