Private or Restructured Hospital?

Hello fellow members, we are in a dilemma between private vs restructured hospital. There are lots of articles but i dont think they truly reflect the fees, as they look like they plucked the figures from the hospitals sites. For those whom have delivered, how much did it cost (doctor fees + ward stay) for A class ward in restructure hospital and private single bedded?

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Mount E Novena for my 2 delivery as I follow my gynae. 1st delivery - about $12k in 2019 for natural delivery. 2nd delivery $22k in 2020 for natural delivery plus NICU as bb is premature and needed 4 days NICU.