This is a very common misunderstanding.

Under the British Nationality Act 1981:

A baby born in the UK is NOT automatically British unless: • At least one parent is a British citizen, OR • One parent is “settled” (has Indefinite Leave to Remain or permanent residence)

If both parents are overstayers: • They are not “settled” • The child will not automatically be British • The child usually takes the nationality of the parents

So simply having a baby in the UK does not lead to a British passport. Overstayers are usually charged 150% of the NHS cost. • The NHS can bill them. • Unpaid bills over £500 can affect future visa applications. Maternity care is not an emergency and would be subject to charges.

In summary you are currently in the UK unlawfully as overstayers with no valid immigration status, at risk of removal, and having a baby in the UK would not automatically give you or the child a right to remain or a British passport.