在新西兰
宝宝出生后90天之内加到你的southern cross的保险里是可以cover existing condition
http://www.southerncross.co.nz/society/buying-health-insurance/why-get-health-insurance/for-families.aspx
Pre-existing conditions cover for newborns
You can also give your baby a healthy start in life with Southern Cross health insurance. Simply add your newborn to your plan within three months of their birth date, and they’ll receive health insurance cover for their qualifying pre-existing conditions.
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没看过医生的情况下
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tower 3个月,可以免费加进去
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southern cross也是的不过要在3个月之内。