Adding a new-born baby to your Private Medical Insurance Policy


If you would like to add your new-born baby onto your Private Medical Insurance policy, you will need to contact your insurance company or private medical insurance broker who will be able to assist you with the enrolment of your new family member.

Most Private Medical Insurance companies require that your newborn child be added to your policy within three months of their birth, however most insurers recommend that you add you newborn as promptly as possible following birth. If your newborn is added within the insurers specified time scale they will usually add them to your policy on a Medical History Disregarded (MHD) underwriting basis, subject to the insurers joining requirements. This underwriting method means that the insurer will not ask for any details of the newborn child’s health history (if any), so no personal medical exclusions will apply to their cover.

Failing to add your newborn to your policy within your insurers specified joining criteria will lead to your newborn being newly underwritten which could result in medical exclusions being applied to their cover.

Depending on your chosen provider you may be able to claim childbirth cash benefit, which is a cash payment following the birth of your child. Insurers who offer this benefit normally ask for a copy of the child’s birth certificate and the benefit also has to be claimed within so many months of the child’s birth. Some insurers also specify that you must be insured for a number of months before the birth of your child in order to claim for this benefit if available.

Claims for the childbirth cash benefit will not affect your no-claims discount should your policy operate using this discount system.

SMP Healthcare Ltd is a specialist private medical insurance broker who can assist you should you wish to enquire about adding a newborn onto your Private Medical Insurance policy. We can also provide you with other helpful advice and support on your Private Medical Insurance, contact us on 01245 929 129 or email