Hi Babe,
From my understanding when I talk to the agent it covers the following:
-pregnancy complication as listed in their policy
- hospital care benefit for mama
- death of mama (touchwood)
- congenital illnesses of child
- hospital care benefit for bb
there is cap on the amount for mama and bb. I think 5 k each. (this is base on the 3 year plan).
IVF declaration is just a one time loading for the one time payment for the insurance.
Y dun you call the hotline and check it out. no obligations anyway.