means any of the following: 1. the Named Insured; or 2. any eligible family member named in the application (Covered Family Member) and not excluded from coverage by a signed waiver; or 3. any eligible family member added to this Policy by endorsement after the Effective Date; or 4. a newborn child. Under an â€œIndividualâ€ Policy, newborn children are automatically covered from birth for a period of 90 days of the birth or before the next premium due date, whichever is later. In order to have coverage continue beyond such 90-day period, notification of the birth of a child and payment of a â€œFamilyâ€ premium must be paid to Us within 90 days. If this is a â€œOne Parent Familyâ€ or a â€œTwo Parent Familyâ€ Policy, newborn children are automatically covered from birth. It is not necessary for You to notify Us of the child's birth, and there is no change in premium.