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looking for maternity insurance for expat (Beijing)

Now I am thinking to have baby in near future. Not pregnant yet. I know that some medical insurance has waiting period policy Protected content to start covering maternity care and baby-birth, and maternity insurance plan is 1.5-2 times expensive more than normal medical insurance. I checked BUPA and Cigna, those price are around 30, Protected content RMB annual for my age. Wow, expensive rather than I thought! How's expat wife doing? If somebody have good recommendation(ex. good price, non-waiting period, Chinese one), please kindly advice me.

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