Very interesting.... It doesn't say anything like that in the policy itself, So i don't see how that would be excluded, But it's very easy to make something (especially early labor) into complications during delivery....
Very easy?
Is early labor really a complication? FWIU it can be perfectly normal (though untimely). I am not saying anything with knowledge or certainty, but I haven't yet managed to get a certain response that will say it would be covered.
Let me state what I tell clients when they try to pursue certain strategies involving insurance: The purpose of insurance (and hence my job) is to ELIMINATE risk. If the product you are purchasing introduces risks, or fails to eliminate the risks you are trying to eliminate in a significant way, then it's not the right product.
That being said, if one cannot find a product that will definitely eliminate the risk, and is willing to gamble the small premium on something that MIGHT cover the risk, that is a conscious choice one may legitimately make.