Hello KS Joan
Are you referring to hospitalisation plans? For a start, I bought AIA Healthshield Gold Max for my 2 year old girl. It covers everything from the first dollar. I can choose the hospital, type of services, best room etc. I can also stay overnight and be with my girl.
It also depends how fully you want your baby to be covered. This AIA plan has optional riders.
Hope this is helpful.
Rgds Joy Boo