If you buy before child is born, you would have to pay during pregnancy period, the premium is not affected by the the expectant mother's age, gestation week, and gender of the fetus, etc. There is a uniform monthly charge, and the premium remains unchanged until the first year's renewal. After renewal, the premium is based on the child's age (completed age at last birthday), starting with the premium for age 0.

If you buy after child is born, the premium is based on the child's age (completed age at last birthday), starting with the premium for age 0.