Technically, if the policy states “6 months”, you are OK with an April 1st conception date. This waiting period is usually provided in days, not months, so you might want to double check the policy details. In making this determination, the insurance company will request medical records and use the conception date that is recorded by your physician. That is cutting it kind of close, so you will most likely have a bit of a battle over this with your insurance company. - Friday, October 16, 2009 @ 4:34pm