When must a group accident and health policy provide coverage for a newborn child?

A group accident and health policy must provide coverage for a newborn child at the moment of birth, which emphasizes that the insurance coverage is immediate and does not require any waiting period. This means that as soon as the newborn is delivered, they are automatically covered under the existing family health policy. This provision is significant for ensuring that families do not face any gaps in coverage for necessary medical care that may be required immediately after birth, such as check-ups or treatments that newborns generally need.

This immediate coverage aligns with the overarching goal of health insurance policies to provide protection and support during critical times, such as the arrival of a new child. The other options suggest delays in coverage or conditionalities that are not mandated by the laws governing group health policies concerning newborn coverage.