A Tennessee health policy provides coverage for family members of the insured. When a child is newly born to the insured, how must the policy treat the newborn?

Why D is correct

T.C.A. § 56-7-2301 is Tennessee's newly born children coverage mandate: a health policy providing family coverage must cover a newly born child from birth, with the statute governing the required notice and payment terms. It is one of Tennessee's mandated coverages for accident and health policies, so the newborn does not wait on underwriting approval or a separate contract.

Why the other options are wrong

• A) The mandate does not condition newborn coverage on a separate application or individual policy; T.C.A. § 56-7-2301 covers the newborn under the existing family policy.
• B) No first-year limitation exists; the T.C.A. § 56-7-2301 mandate applies to a newly born child whenever the birth occurs during the policy period.
• C) Newborn coverage is a statutory mandate under T.C.A. § 56-7-2301, not a matter of insurer discretion.

Memory hook

A newborn arrives covered — the mandate starts at birth.