Maternity Insurance?

Hi mommies, mommies-to-be, Can I check whether it's necessary to buy maternity insurance? My request has been denied by the underwriters pending further submission of pelvic ultrasound report / obgyn report as I have fibroids from even before I was pregnant. However the fibroids didn't interfere with my ability to conceive and during my regular gynae visits my gynae said that the fibroids are small and inconsequential to my pregnancy. As I'm very busy with work and wouldn't be able to schedule a pelvic ultrasound outside of my regular appointments, I'm thinking of forgoing the maternity insurance altogether given that I've been regular with my gynae visits and have also done my OSCAR test. Hope to hear your thoughts on this pls. Thank you!

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For me the pregnancy insurance is mainly because I want my child to be insured before birth. Since I will definitely buy after give birth so might as well get it first with the mommy protection perks as well as guarantee protection for unborn child.