State RegulationsOH specificDifficulty 1/5
An Ohio A&H policy requires a specific additional premium for a newborn child's coverage. Within what period after birth must notification and payment be furnished for coverage to continue beyond the initial period?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
ORC 3923.26 provides that when a specific additional premium is required for a newborn's coverage, notification of the birth and payment must be furnished within 31 days of birth for coverage to continue beyond that period. Note the contrast: coverage itself begins at the moment of birth, but continuing it depends on timely notice and payment.
Why the other options are wrong
- A) 10 days is the individual A&H free-look period under ORC 3923.31, not the newborn notice window.
- B) 20 days matches the notice-of-claim period in the A&H standard provisions, not the newborn premium window.
- C) 45 days relates to conditional-receipt reinstatement mechanics, not the 31-day newborn notice window.
Memory hook
Baby news travels in 31 days — tell the insurer and pay, or coverage stops.