Eh, ni depends on your insurance plan lah, some cover maternity fully, some partially, some langsung tak cover delivery cost! Best cara adalah contact your insurance provider directly or check your policy documents, sebab each plan itu beda-beda. A few of us tried asking the hospital first, diorang boleh guide siapa accepted dan berapa coverage, terus confirm dengan insurance. Some mums swear by checking with the hospital's finance team before delivery saja, saves a lot of last-minute stress!