Any advice on pre natal insurance?

Am looking insurance for my pregnant wife. Checked around a little. The covers seems to be for very specific and few things and the cover also very little? Paying $399 for $5000 max pay out. Are all insurance plans like this?

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most start with minimum 5k sum insured and max 10k. It's not alot of coverage for a one time payment policy but more of a just-in-case. Not really a must to get it