Maternity insurance

I got mine just to play safe as we never know what will happen. U can just get a basic plan to cover urself and baby. For me I got it under AIA n I pay a little more so when baby is out the plan become baby life insurance.. can convert straight. I do have a friend who didn’t buy any ended up during pregnancy she was warded and can only go KKH.. then when her baby is out the baby was also warded in n out during first 3 mths.. so they spend quite a fair bit despite beside Govt hosp.