Our local agent cheppindu that newborns are covered after 90 days waiting period, but full sum insured is only given after they are included in the policy at renewal. Sub-limits for pediatric care can pinch – I saw my neighbour's son’s treatment bill only half-covered! For my daughter’s baby, we waited for the policy anniversary to add him, saving on immediate extra premium, which matters when you run a small household like mine.
#fitness#health
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