Can anyone recco a before pregnancy baby insurance? If expecting twins, is there an insurance plan that can cover incubator costs?

So far I've only managed to research and found typical medical insurance with statement like "1 million ringgit claims" but actually more towards other medical treatments and not incubator or for/during labour (where the max is capped at RM10K only).

As I understand, incubator can cost around RM5K per night in private hospitals and if cover 2 weeks for twins, can go as high as RM100-150K. Sounds damn heavy damage. Hence, was wondering if there's an insurance plan that can cover this.