Cheap maternity insurance

How much u gonna pay, u got to find out from e Agent. Like im 37yo n conceived by Ivf, my premium starts from $500. Some of my mummies grp frens pay about $350 for the most basic plan n also bcos theirs is naturally conceived n they r much younger at 28yo. I met a few Agents from Axa and Aia b4 i finally settled for Aia (my fren). The Axa plan although attracted me alot, as they had this part about early c-sec due to complications, but part of e t&c is, only covers between wk32-36 emergency csec n le bb must be under 1.8kg. Reimbursement u 15% of this csec bill. N somemore their premium is slightly higher than Aia. 😂