hey mate, my wife had the same case. which stage is she in? the best is to rest more and do not over exert her strength but what does doctor advice?

I think you should get another doctor opinion. IMHO, you guys need to know more in order to be prepared for the worst case scenario, though it could be scary but sometimes prevention is better than the cure itself.

If it is completely covering the cervix, I think it is total placenta previa. Need to observe carefully if it keeps bleeding too much of blood as it will harm both mother and the baby. If didn't bleed at all during the pregnancy period (which I pray for you guys), then nothing will go wrong with the baby, just need C-Section during labour, no biggy.

My wife placenta moved up a little bit when it is almost labor time, however due to other complication (not related to placenta at all) we decided to do C-Section to reduce risk instead.

Please go to another doctor, at least you the father should know more about the condition how bad the situation is, what are the worst case so that you can make a better decision for both your wife and your baby, whether it is allowing your wife to rest at home and stop working till birth or other alternative.

Praying for you guys to have a healthy baby soon