In individual health insurance coverage, the insurer must cover a newborn from the moment of birth, and if additional premium payment is required, allow how many days for payment?

minimum 30 days after the child is born, and up to 60 days if you purchased your plan through a health exchange

Explanation:

The Health Insurance Portability and Accountability Act (HIPAA) of 1996 established that newborns (or newly adopted children) will be automatically eligible for coverage with the same insurance provider as his/her mother. The insurance company must provide a minimum 30 day window to the parents in order for them to enroll the newborn into the family's health plan.

For plans not acquired through a health exchange, the mandatory coverage extension ends at midnight day 30, day 31 is not covered.

Payment will be made within 31 days of birth