Choosing the right cover
If you already have a family policy when your baby comes along, you simply add your baby’s name to your cover. Your baby will be covered effective from their date of birth.
If you only have a singles or couples policy, you’ll need to upgrade to a family cover within one month of your baby’s birth to ensure he/she is protected by your nib policy. If you change your policy, make sure your new cover has benefits for pregnancy and birth-related services so that mum stays covered too.