hi, saya nk tanya kat mana nak buka buku pink ni actually?

My husband pun ada insurance under company yg cover for maternity. Normal delivery 5k csec 8k, ni total cost yg dia cover termasuk monthly check ups & delivery. If delivery nanti costs more, kita kena topup. I opt for swasta. Check ups tu pay & claim, delivery baru GL. Total i check up sampai bersalin around 1.5k (claim). Delivery topup 2k for me (planned czer). Baby care cost 2k (not covered by insurance). My first kid with kerajaan (csec), second with swasta ‘cause husband tukar company. If dpt third fourth i mmg nk go for swasta lagi yknow since i already experienced the best, hopefully ada rezeki & i’ll save up too in case husband tukar company in the future. Org kata bersalin mana2 pun sama je sakit, nope. Swasta lagi buat i bahagia 9 bulan mengandung sampai bersalin. Even after bersalin check up anak kt swasta pun continue bahagia. So up to you sis, just sharing my experience. Kalau nk go for swasta, cari yg ada ramai O&G & yg facilities complete like kpj, pantai, gleanegles, columbia. Diorang check up pun details je, saya pun ada sejarah gugur & O&G sgt concern. O&G tu lah yg akan check kita scan kita every month, kita boleh pilih nk yg mana, perempuan ke laki ke. Kt kk tukar2 doctor & tak scan selalu (based on my experience time my firstborn). If something happens, diorang takkan tolak you to kerajaan, you standby duit only. unless budget you limited you minta nk bersalin kerajaan baru they send you there. And if you nak check up saja di swasta, delivery kerajaan pun no problem.