Having a Baby

If you’d like to learn more about purchasing a plan that includes your entire family, including your new baby, we are happy to help walk you through the steps.

A personal health plan for you and your new baby will mean your child is covered for life. You can register your child on an existing policy within 60 days of birth, and avoid having to fill out a medical questionnaire that will identify pre-existing conditions. Even if you are already a group/employer plan member and have dental insurance, you can coordinate benefits on both plans to receive up to 100% coverage.

How Our Personal Plans Work
Basic Plan

Every plan comes with 20 benefits including the following:

  • Ambulance
  • Vision Care
  • Accidental Dental

View Basic Plan Details

Custom Options

We have 7 optional benefits including the following:

  • Prescription Drugs
  • Dental
  • Term Life Insurance

View Custom Option Details

Why Add Custom Options When Having a Baby?

Prescription Drugs

We will work with you to get your new child covered for any medications they need as they grow and develop. The sooner you get this coverage, the sooner your baby is protected.

Having a baby?
Here’s what you need to know.

Some employers don’t offer group/employer coverage the whole time you’re on maternity leave. Check with your employer and if you’re not covered, ensure your benefits continue by getting a personal health plan with us.

  • Call us within 60 days!

    Call us within 60 days of your child’s birth and your baby will automatically qualify for the same coverage as the parent(s). No need to apply to have your baby added, or to fill out a medical questionnaire.

  • Maternity Benefits.

    You must have existing coverage for eight months prior to your maternity claim in order to receive benefits for maternity related expenses such as morning sickness medication or hospital expenses.

  • More than one plan might be helpful.

    You can coordinate benefits between plans, using the different plans to cover up to 100% of your health costs. For example, a group/employer plan may cover 80% of an expense and you could use your personal family plan to cover the remaining 20% that wasn’t covered by your group/employer plan. For details, go to Coordination of Benefits.

  • Travelling while pregnant.

    Your personal health insurance plan may cover you for unexpected medical emergencies while travelling until your 32nd week of pregnancy. Travel insurance does not cover medical treatment for you or your baby after the 32nd week. Travel insurance also does not normally cover medical emergencies relating to pre-existing conditions that you may have had up to three to six months prior to travel. Please read your policy carefully or contact us directly – we’re happy to help. 

    Travel Insurance Guide for Expectant Mothers

Don’t forget to hang on to the Policy booklet so you can access it should you need it in the future.