02-06-2015, 11:03 AM
Perhaps you should look at Prulink from Prudential, it's not ILP and it covers from prenatal complications to congenital conditions right from 1st day of birth and maybe converted to hospitalization plan for the baby. I think the preggie can buy Prulink before reaching 32 weeks of pregnancy if my memory doesn't fails me, and it has different amount of coverage for monthly premium of $100, $200 and $300 iirc. My wife and I once considered it as we were so worried on the medical costs on prematured delivery. But somehow we did not proceed maybe I don't really believe in insurance.