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

Coverage for a newborn child under a family accident and health policy begins immediately at the moment of birth. This is a standard provision in many health insurance policies designed to ensure that infants receive the necessary medical care from the instant they enter the world. The intent behind this rule is to protect the health of newborns, as they may require medical attention right after birth. Additionally, most policies stipulate that coverage for a newborn does not require any additional waiting period, thus providing immediate access to benefits for the newborn's healthcare.

The other options typically represent situations that do not align with standard insurance practices regarding newborn coverage. For example, a delay such as "after one month" or "after the application is approved" would not be consistent with the urgent needs of a newborn, nor would coverage begin at the end of the contract period, which applies to renewals or term expiration.