(1) If at least one parent has health insurance cover on the day on which their child is born, the insurer is obliged to insure this person’s new-born from the completion of the birth without risk premiums and qualifying periods, if the application for the insurance is made retroactively, at the latest two months after the day on which the child was born. This obligation only exists insofar as the insurance cover applied for in respect of the new-born is not higher, and is not more comprehensive, than that of the insured parent.
(2) Adoption is equivalent to the birth of a child insofar as the child is still under age at the time of the adoption. Where a greater risk exists, the agreement of a risk premium is permissible up to once the amount of the premium.
(3) A minimum period of insurance for the parent may be agreed as the precondition for the insurance cover for the new-born or the adopted child. This must not exceed three months.
(4) Subsections (1) to (3) do not apply to overseas and travel health insurance insofar as other private or statutory health insurance cover is available in Germany or overseas for the new-born or for the adopted child.