Is cloudnine a good hospital? The staff mentioned the child birth package costs 2 lacs whether normal or c-section. Doesn't it seem 2 much?

Insurance is the way to go. Try to get asap as you can't claim them initially for a month or so.

Insurance Lelo bhai. Mera only 15k laga

It is around 2L in almost all Tier 1 cities. U can take it. U can use company health insurance. Just check with health insurance company if package is reimbursable.