KKH or PRIVATE

Hi mummies, at what weeks should I be decisive of my chosen route, private or govt? Currently I’m on my 18th weeks and due for the anomaly scan and whooping cough. Wish to get the subsided rate at KKH but I would missed out on the anenatal package from private gynae(usually 10 session etc). Can’t make up my mind because KKH I heard has good doctor for neonatal care should things goes south but they are strict on hospitalisation leaves, shared rooms, and consultation can only be on weekdays which hubby has to take extra leaves. While private route would be easier, but I heard the emergency c section or NICU will cost a bomb. For your kind advice and thoughts please thank you!