great that you get a good gift for your love one
just let you know NTUC private-shield is cheaper as during any hospitisation there is a 10% co-pay
so depend how you look at it.........
however ntuc do have some really affordable group policy plan eg LUV plan which include critical illness but agent are not allowed to sell, so need to apply themself
but I feel baby is best to get limited premium, pay for some yr and cover rest of his/her left.........a nice gift for them if in cas ethey do not believe in insurance like my hubby