I'm afraid the 75% safety net has been removed. Delivery complications are now covered on a case by case basis but without an upper % limit. At least that's how I understand it from the recent (July/2016) change. As for after birth the baby is covered from 00:01 of the following day under its own policy. Prior to this on its birthday it's coverage all comes from the Maternity limits. Or so I am led to believe (disclaimer!)