Do you provide cover for a newborn baby?

Yes, if you apply before your baby is three months old, we’ll give you up to three months of free health cover for them. If you apply before your baby is three months and make a claim, your baby's medical history will be disregarded and no personal exclusions will apply. If a baby is added after they are three months old, then any pre-existing conditions will be underwritten.

If you already have another child (aged 19 or under) on your policy, after those first three months are up, your new child will continue to get free cover until the older child turns 20. That’s because you only pay for the oldest child on your policy.

We also offer a 'baby bonus' where, if you've had the policy for over 10 months and your premiums are paid up to date, any family member covered by the policy will get £100 from us when you have a baby or adopt one up to a year old.