Insurance liability includes:
Maternal death, maternal nutrition allowance, infant death, special nutrition allowance, infant congenital malformation, infant congenital malformation operation, 24-hour telephone medical service, secondary diagnosis service for major diseases, and special outpatient appointment (doctors above the deputy director of a third-class first-class hospital).
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.