I hear a lot about maternity insurance, y do we really need it? Can someone explain it in simple terms, I’m not very good with technical stuff ?

For me, the maternity insurance is a good to have. The coverage (if any complication) arises to me is very minimum. For me, the biggest benefit for maternity insurance is the no underwriting for the life insurance that my bb will have. If this interest you, make sure u are getting a maternity insurance that comes with a life policy.