The integrated shield plan covers just the hospital bill portion (you'll still need to foot the 1st $xxxx as deductible unless you've bought additional riders to cover those). The maternity plan covers the mother for some complications until she give birth and then continue to covers the baby on some congenital illnesses and stuffs for the 1st 3 years. This doesn't goes to the hospital but is just additional cash benefits. So this is probably optional coverage that's good to have. Most important is still to get proper integrated shield plan (and riders if necessary) to cover any potential hospital bills which can be quite scary.
yup have tried to look into this in great details. the integrated shield plan with rider will cover for the mother. any idea what does not cover for? and for the baby, it seems to be covered by the compulsory normal medishield plan for baby...is that correct?