State RegulationsOH specificDifficulty 1/5
Under ORC 3923.26, benefits for children under an Ohio accident and sickness policy begin at what point for a newly born child?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
ORC 3923.26 requires that benefits for children be payable for a newly born child from the moment of birth. This includes necessary care and treatment of medically diagnosed congenital defects, birth abnormalities, and prematurity. Only when a specific additional premium is required does a notification-and-payment window affect continuation beyond the initial period.
Why the other options are wrong
- A) The 31-day period concerns the notice-and-payment window when an additional premium is required, not the start of coverage.
- C) Coverage attaches from the moment of birth under ORC 3923.26; a required additional premium affects continuation beyond the initial period, not the starting point.
- D) The birth-certificate timing is irrelevant; ORC 3923.26 fixes coverage from the moment of birth.
Memory hook
Birth is the start line — coverage from the first breath.