Type 2 diabetic mums buying newborn insurance

Hi! Congrats on reaching 13 weeks! So from what I've gathered chatting with other mums, most insurers here do cover babies born to mothers with pre-existing type 2 diabetes, the good news is your baby's policy itself isn't usually affected by your condition, since baby starts from a clean slate health-wise. However, your own maternity and pregnancy-related claims can get tricky; some plans exclude or limit coverage for complications linked to your diabetes, so you really need to read the fine print carefully and declare everything upfront. Cost-wise, newborn policies typically run anywhere from a few hundred to over a thousand dollars depending on the coverage level and insurer, but honestly the variation is quite wide. A friend went through Prudential and said they were pretty transparent about what would and wouldn't be covered given her pre-existing conditions, worth asking each company directly for a detailed breakdown rather than guessing. The key thing is to compare what each plan says about maternity exclusions and how they handle pre-existing conditions, because that's where the real differences show up. Definitely worth having a chat with your doctor or a financial advisor who knows the local policies too, just to make sure you're picking something that actually works for your situation!