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Queries on medical insurance

I am looking for a medical insurance (family floater type) which can include me and my wife (getting married during May 2013). 2 major quries in this context,

1> Do all kind of family floater plans cover pregnancy expenses ? If not, then please guide me as to which products can be bought.

2> My wife to-be had a mishap in her young age and she lost vision in one of her eyes. I hope to get that rectified through some kind of surgery. I want to understand can these kind of issues be covered under medical insurance ? If yes, then please let me know what kind of medical insurance should I go for ?

3> Also, do you suggest to take 1 policy which can cover both these issues. Or should I take a seperate policy for the eye issue and another family floater type for both me and her. This question arises because of the fact that the eye issue should be a one time affair and later I might not need such a comprehensive insurance plan. Please guide me on this aspect also.

Thanks & Regards – Ashwin

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