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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It’s really a peace of mind to get it. It’s a term plan usually last for 2-3yrs. There are some advantages to it as some insurers have GIO for basic shield plans.