An insured gives birth while covered under a New York accident and health policy that covers dependents. Under N.Y. Ins. Law §3216(c)(4)(C), when is the newborn covered?

Why D is correct

Under N.Y. Ins. Law §3216(c)(4)(C), a newborn of an insured is covered from the moment of birth, provided the insured makes application to include the child and gives notice within 30 days. Coverage is not conditioned on medical underwriting of the infant; the timely application and notice simply continue what the statute starts automatically at birth. New York extends the same moment-of-birth treatment to adopted newborns.

Why the other options are wrong

• A) Approval of an application is not the trigger; coverage attaches at birth as long as notice and application follow within 30 days.
• B) Coverage is not deferred to a monthly effective date; the statute speaks of the moment of birth, not a later policy cycle.
• C) No insurability examination of the newborn may be required; the mandated coverage is not medically underwritten.

Memory hook

Born covered: the newborn's coverage starts at birth, not at paperwork.