Sorry for the double post, you are right insurance doesn't pay for birth. But you receive a payment(wife said present) of ~35万　from the government and wife says

Sorry for the double post, you are right insurance doesn't pay for birth. But you receive a payment(wife said present) of ~35万　from the government and wife says that covers the cost. If you have a cesarean that is covered by insurance. Also the monthly stipend is only ~1万. The stipend and free medical lasts until middle school(maybe not sure when it cuts off but elementary school students are covered).