Congrats, Since you have a Insurance facility, up to 7 month of pregnancy period just go through private clinics, and then ask them the referral letter to HMC Women Hospital, Then from 8th Month You can directly deal with Women's Hospital. I dont know about Delivery in Private clinics, but i have my own personal experience with HMC, i feel it is more better.last year my my born at HMC, we were Happy wih HMC.