I was so confident that I’d still have a normal delivery with my 2nd baby, but I was wrong. I ended up having a CSec delivery despite her weight/size. This makes me more focused on taking some important things into consideration like getting a separate health (aside from PhilHealth) and life insurance policy first and then weigh things which one is better offered in the market these days. I believe agencies like these have different schemes, not sure though. Frankly, I have no idea how it’s done and computed in the first place.