For your information, there is a good way to save more on babies (1-6 years old).
As you know, the insured (1-6 years old) is expensive if purchased medical card from any insurance company.
You can always try to subscribe a non-cashless medical card during (1-6 years) and attached to a 3 generation plan
as a basic for your child education fund. Once after 6, switch back to cashless mode.
(remarks : you can always have credit card solution for medical fees on prepaid, and claim from insurance company
is very efficiency -- of course you need a good service agent)