Just been trying to sort out some medical insurance for a new baby, I have been told that a baby cannot have his or her own insurance and has to tag along on the policy of their Mother or Farther, is that right ?

Also as a new baby has no medical history, what if the baby develops something serious and not normal ( heart problem or something like that ) what happens then ? they can't say you should have told us about this before as the problem would be a new one ?

So what I would like to know is...

Is it possible for the baby to have cover in his or her name and not part of another policy.

IME in looking for insurance for my child the Insurance Company requires at least 1 adult to be insured as well as the child.

Same here, with LMG, the child is covered only if one of the parent is covered, and the coverage of the baby cannot exceed the coverage of the parent.

Maybe you could ask a mod to move this to the insurance forum, you might get more answers there...

Just been trying to sort out some medical insurance for a new baby, I have been told that a baby cannot have his or her own insurance and has to tag along on the policy of their Mother or Farther, is that right ?

Also as a new baby has no medical history, what if the baby develops something serious and not normal ( heart problem or something like that ) what happens then ? they can't say you should have told us about this before as the problem would be a new one ?

So what I would like to know is...

Is it possible for the baby to have cover in his or her name and not part of another policy.

Yes. Thai Health Insurance (THI) will do it. They are the only health insurer in Thailand that will.