I went for 10k coverage under AIA. It was worthwhile for a peace of mind, I believe I only paid 2k which includes transfer to baby after birth.. I gave birth to a healthy BB boy and he's turning 2 months old in 2 weeks time. I had vaginal bleeding in my 1st Tri and was diagnosed with threatened miscarriage. Thankfully I had an experienced AIA agent and she facilitated the paperwork with my gynae signing off as an uncomplicated pregnancy. Subsequently I had gestational diabetes after getting my insurance and I was still insured. I'm not sure if u have past the 20 weeks deadline but u can ask an agent
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