Aiyo I understand your worry lah, caesarean kan memang scary to think about, but honestly HUKM is really reliable for emergency situations so you'll be in good hands either way! A few of us tried both Al Islam and HUKM, and the cost difference isn't huge honestly, maybe RM3k-RM5k depending on whether normal or c-section, but best to call HUKM directly to confirm their current rates sebab prices keep changing. Since HUKM is nearer your house, maybe go with that for peace of mind, dekat, familiar, dan if anything happens you're already there, which is the most important thing kan?