Hospital swasta, rate government

Eh ada! A few of my mum friends during pregnancy actually dapat the same benefit, they went to panel hospitals (swasta tapi under government scheme) and bayar government rates instead of full private price, which is a huge saving lah. Best thing is to call the hospital directly and tanya if they're part of your employer's panel or government scheme, then confirm berapa the rate akan be, some offer it for maternity packages, some for specific treatments je.