I had heard this from friends that they had to add the child to the policy upon birth and retroactively pay.
Boy does that suck. So you still have to pay 100% of the normal delivery? But complications above and beyond $5k they cover? What is the lifetime or annual payout? Is there a limit?
And then you need medical in case the baby is sick in delivery?
A friend had the child go into distress during labor and take in some of the amniotic fluid while she was trying to delivery. Turns out she went c-section and the baby into the NICU for over a month because of it. Supposedly from the stress of 18 hours of labor.
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