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



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