When does a family accident and health policy's coverage for a newborn child begin?

A family accident and health policy's coverage for a newborn child begins at the moment of birth. This provision is designed to ensure that newborns are covered immediately without a waiting period, providing essential medical care and support right from the time they enter the world. Health insurance policies generally recognize the significance of early medical attention for newborns, which can include routine check-ups and vaccinations, making it a standard practice for coverage to start at birth.

The other options introduce various scenarios that do not align with common insurance practice. Coverage starting after a grace period or upon updating the policy would not facilitate timely access to healthcare for an infant immediately after birth. Similarly, linking coverage to renewal time would create unnecessary gaps in coverage during crucial early days of life. Hence, having immediate coverage upon birth is vital in ensuring that the newborn receives necessary healthcare without delay.