Maternity Insurance

i know how frustrating this can be. agent keep telling me their past records clients weren't charged for getting their gynaes to fill in any questionnaire or whatsoever. but mine do. anyhow, I submitted for AIA and was rejected due to a slight increase in fibroid size. previous size and current size is already made known to the underwriter but the underwriter insisted I get my gynae to fill in questionnaire as a form of acknowledgement or whatever. paid $100++ for it and got rejected. though mentioned they'll fully reimburse me with the original hardcopy of invoice from gynae for the charge, to date haven't had any reimbursement yet. point to note that: my gynae even indicated clearly on the questionnaire that this fibroid will not be of any impact or cause any complications to my pregnancy. infact, will either shrink or disappear after delivery. I am now pending prudential's approval. however if still rejected, we will not proceed with others and just wait for after baby's delivery. our priority was focusing on life + CI for bb. not much at all about maternity side. and AIA/prudential has this bundle that we need not undergo underwriting once BB is born and the policy can be transferred.