you only pay for services you used, akin to a normal dr service - you don’t have to ‘pay back the fees’. if u want to change can just ask kkh for the medical info and make appt at mt A kkh also can be very comfortable. what u pay in A class ward in kkh may be equivalent to a 4 or 6 bedder in private hosp. procedure wise depends on ur wife’s pregnancy condition and preference