No, they’re not. To ensure your little one is included in your hospital cover, please call us as soon as possible after they’re born to add them. If you’re on a singles policy, you’ll need to add your baby to your cover within two months of their birth to avoid them having to serve all applicable waiting periods. If you are on a couples or family policy, you have 12 months, but it’s a good idea to ring and add your baby ASAP so you don’t forget. If the baby is added within these timeframes, then your baby will only need to serve waiting periods that haven’t yet been served. If your baby is not added within the required timeframes, you will be responsible for any costs associated with their hospital admissions.