Let me start the topic rolling...
I felt that the pre-natal insurance is quite a marketing tool to target the love of parents for their unborn child..
If you really look at what is insurance..
It is an arrangement by which a company or the state undertakes to provide a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a specified premium.
The core plan is a investment linked policy, which starts with covering mum for Death, TPD, CI (maybe $2400 annually)
Then only you can get a pre natal rider (what you really want).. at $3xx+, seems beautiful.. but the catch is that their risk is limited to $5,000
They preach child will be covered, but if you really read the benefits, it will guarantee cover the child in event of Death, TPD (excluding congenital conditions), same goes for the CI portion.
At the end , you end up funding a investment linked plan that takes a lot from your premium paid through premium allocation and due to cost, it cannot provide coverage for your child's lifetime.
In closing, just add the first year premium of $2400+ $3xx, and with the intention to cover pre-natal risk, but insurer only provides $5,000. I share with clients to take the risk.
The mother should relook at their coverage when they are expecting, since pregnancy has risks. takes care of herself and spouse.
When child is born, quickly get the medical and proper life insurance coverage.