both my boys were delivered in Kandang Kerbau Hospital.
seriously the package doesn't really help much. the cost comes up to about the same amount!
to cut cost, she can continue to have her check up done in Polyclinic until just before birth. but she must let Kandang Kerbau Hospital know what is the expected due date, so as to book doctor and bed.
another way is to go to Kandang Kerbau Hospital customer service, they do have subsidies plan or something like that, but there are certain requirements you must meet before its approved.