求推荐孕前或者孕期买的保险，需求是能保障生产出现意外的高额费用，比如早产住保温箱 （1000/day）。
下面是我自己做的一些功课，都是孕期的保险，可是新生儿住院可以报销的保额太少了。
不知道大家有么有什么推荐？
1.
NTUC Income: Maternity 360. 网站说婴儿住院可以报销保额的1%，但是没说保费和最高保额。
2. Great Easternlife: flexi
maternity cover. 婴儿住院每天最高只报销200块.
3.
prudential: PRUFirst Gift. 看不到详细条款，在网站上没提到是否保早产。
4.
AXA : Mum’s Advantage 婴儿住院每天最高只报销200块.
5.
AIA MUM2BABY CHOICES, 婴儿住院每天最高只报销200块.
下面是我在网上看到的一篇文章，说的事怀孕之前10个月可以买的保险。好像可以完全cover这些费用，不知道有没有人知道是哪种保险？
You can purchase
insurance that covers cases of miscarriage, emergency Caesarean sections,
premature births, as well as birth defects.
These complications
often require greater medical care. They can also warrant a longer hospital
stay, which can send bills soaring. In such cases, these policies can really
help you cover the gap left by Medisave.
These types of policies
are available from most insurance companies. However, you need long-term
planning to really utilise them.
Typically, for an
insurance company like NTUC Income and Great Eastern, they require you to buy
the plan at least 10 months before getting pregnant. This is so they can
collect your premiums for a set amount of time.
谢谢~~