I really feel for you, that is such a large amount to have to prepare all at once especially when you are already so close to your due date. From what I know, KKH does require a deposit upfront and for foreigners it tends to be higher since there is no Medisave or subsidy involved, so the 14.5k for A1 ward with a C-section does sound like it could be in the right ballpark lah. I would suggest calling the KKH billing office directly to ask if they can give you a written breakdown of the estimate, and also check if your company insurance or your husband's EP benefits can cover any portion before you pay out of pocket. Wishing you a smooth delivery and a good recovery ahead.