State RegulationsNY specificDifficulty 2/5
Which statement about New York's newborn coverage rule is correct?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under N.Y. Ins. Law §3216(c)(4)(C), newborn coverage runs from the moment of birth, and the rule reaches adopted newborns as well as biological children. As long as the insured gives notice and applies within the 30-day period, the adopted newborn is covered from birth, without a separate policy or evidence of insurability.
Why the other options are wrong
- A) The rule does not wait for the adoption to become final; coverage attaches from birth.
- B) Adoption is expressly within the newborn coverage rule, not outside it.
- D) No separate policy or underwriting is required; the family policy covers the newborn.
Memory hook
Adopted at birth means covered from birth.