I feel angry hearing that some companies do such things to pregnant mums. Dont think too much, I know it's difficult, but at this stage, your focus should be on a smooth delivery. As for delivering charges, a part of it is by medisave. As for the cash portion, perhaps can speak to the hospital for an instalment plan if paying lumpsum deposit is difficult.
Not sure what baby stuff you already have, but I have some preloved and some brand new items that maybe I can pass to you if you dont mind. Preloved items are Avent milk bottles and brand new items are pacifiers and Avent teats... not sure what else I have, but if you're interested, can PM me.